Side-by-side · Q2 2026 data
Old Second National Bank vs Earthmover Credit Union
Metric by metric
| Measure | Old Second National Bank | Earthmover Credit Union |
|---|---|---|
| TellerScore | 71 | 87 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 64 | 75 (stronger) |
| Earnings | 87 (stronger) | 72 |
| Funding & liquidity | 52 | 92 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 63rd | 91st |
| Total assets | $6.9B | $471.7M |
| Deposits / shares | $5.5B | $385.6M |
| Capital ratio | 12.05% | 19.34% (stronger) |
| Problem loans | 1.08% | 0.75% (stronger) |
| Net charge-offs | 0.73% | 0.34% (stronger) |
| Return on assets | 1.69% (stronger) | 1.30% |
| Loans ÷ deposits | 94.7% | 68.1% (stronger) |
| Uninsured deposits | 27.1% | 0.0% (stronger) |
| Offices | 53 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | — |
Earthmover Credit Union has the higher TellerScore (87 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Old Second National Bank leads on 1 and Earthmover Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Aurora, IL
- Oswego, IL
- Batavia, IL
- Yorkville, IL