Side-by-side · Q2 2026 data
Old Second National Bank vs Joliet Firefighters Credit Union
Metric by metric
| Measure | Old Second National Bank | Joliet Firefighters Credit Union |
|---|---|---|
| TellerScore | 71 | 84 (stronger) |
| Capital cushion | 70 (stronger) | 66 |
| Loan quality | 64 | 100 (stronger) |
| Earnings | 87 (stronger) | 84 |
| Funding & liquidity | 52 | 83 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 63rd | 75th |
| Total assets | $6.9B | $8.3M |
| Deposits / shares | $5.5B | $7.3M |
| Capital ratio | 12.05% (stronger) | 11.56% |
| Problem loans | 1.08% | 0.00% (stronger) |
| Net charge-offs | 0.73% | 0.00% (stronger) |
| Return on assets | 1.69% (stronger) | 1.59% |
| Loans ÷ deposits | 94.7% | 77.2% (stronger) |
| Uninsured deposits | 27.1% | 2.4% (stronger) |
| Offices | 53 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | — |
Joliet Firefighters Credit Union has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Old Second National Bank leads on 2 and Joliet Firefighters Credit Union on 5. 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.