Side-by-side · Q2 2026 data
Philo Exchange Bank vs Education Personnel Federal Credit Union
Credit union
Education Personnel Federal Credit Union
Danville, Illinois · Under $100 million in assets
Metric by metric
| Measure | Philo Exchange Bank | Education Personnel Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 52 | 73 (stronger) |
| Loan quality | 99 (stronger) | 80 |
| Earnings | 60 (stronger) | 50 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 64th | 54th |
| Total assets | $156.6M | $74.3M |
| Deposits / shares | $130.3M | $65.6M |
| Capital ratio | 10.18% | 12.26% (stronger) |
| Problem loans | 0.02% (stronger) | 0.60% |
| Net charge-offs | 0.13% | 0.06% (stronger) |
| Return on assets | 1.01% (stronger) | 0.75% |
| Loans ÷ deposits | 67.6% | 50.7% (stronger) |
| Uninsured deposits | 17.5% | 2.2% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Philo Exchange Bank leads on 2 and Education Personnel Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.