Side-by-side · Q2 2026 data
Prairie State Bank and Trust vs Bloomington Postal Employees Credit Union
Credit union
Bloomington Postal Employees Credit Union
Bloomington, Illinois · Under $100 million in assets
Metric by metric
| Measure | Prairie State Bank and Trust | Bloomington Postal Employees Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 65 |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 83 (stronger) | 0 |
| Earnings | 83 (stronger) | 58 |
| Funding & liquidity | 75 | 97 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 77th | 30th |
| Total assets | $840.1M | $20.4M |
| Deposits / shares | $730.2M | $16.4M |
| Capital ratio | 12.39% | 19.54% (stronger) |
| Problem loans | 0.52% (stronger) | 3.28% |
| Net charge-offs | 0.04% (stronger) | 0.18% |
| Return on assets | 1.58% (stronger) | 0.94% |
| Loans ÷ deposits | 74.9% | 28.1% (stronger) |
| Uninsured deposits | 24.3% | 18.2% (stronger) |
| Offices | 17 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | — |
Prairie State Bank and Trust has the higher TellerScore (80 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Prairie State Bank and Trust leads on 4 and Bloomington Postal Employees Credit Union on 3. 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.