Side-by-side · Q2 2026 data
Paramount Bank vs State Employees Community Credit Union
Credit union
State Employees Community Credit Union
Alton, Illinois · Under $100 million in assets
Metric by metric
| Measure | Paramount Bank | State Employees Community Credit Union |
|---|---|---|
| TellerScore | 55 | 89 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 0 | 49 (stronger) |
| Funding & liquidity | 53 | 93 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 14th | 87th |
| Total assets | $86.6M | $6.7M |
| Deposits / shares | $74.7M | $5.3M |
| Capital ratio | 10.88% | 20.02% (stronger) |
| Problem loans | 0.55% | 0.00% (stronger) |
| Net charge-offs | 0.46% | 0.38% (stronger) |
| Return on assets | -3.93% | 0.73% (stronger) |
| Loans ÷ deposits | 98.4% | 67.5% (stronger) |
| Uninsured deposits | 22.9% | 1.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.2% | — |
State Employees Community Credit Union has the higher TellerScore (89 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Paramount Bank leads on 0 and State Employees Community Credit Union on 7. 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.