Side-by-side · Q2 2026 data
Philo Exchange Bank vs Clifford-Jacobs Employees Credit Union
Credit union
Clifford-Jacobs Employees Credit Union
Champaign, Illinois · Under $100 million in assets
Metric by metric
| Measure | Philo Exchange Bank | Clifford-Jacobs Employees Credit Union |
|---|---|---|
| TellerScore | 76 | 86 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 99 (stronger) | 95 |
| Earnings | 60 | 74 (stronger) |
| Funding & liquidity | 90 (stronger) | 50 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 64th | 80th |
| Total assets | $156.6M | $1.2M |
| Deposits / shares | $130.3M | $519K |
| Capital ratio | 10.18% | 55.54% (stronger) |
| Problem loans | 0.02% (stronger) | 0.16% |
| Net charge-offs | 0.13% | -0.26% (stronger) |
| Return on assets | 1.01% | 1.36% (stronger) |
| Loans ÷ deposits | 67.6% (stronger) | 140.4% |
| Uninsured deposits | 17.5% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Clifford-Jacobs Employees Credit Union has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Philo Exchange Bank leads on 2 and Clifford-Jacobs Employees 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.