Side-by-side · Q2 2026 data
Sauk Valley Bank & Trust Company vs Select Employees Credit Union
Credit union
Select Employees Credit Union
Sterling, Illinois · Under $100 million in assets
Metric by metric
| Measure | Sauk Valley Bank & Trust Company | Select Employees Credit Union |
|---|---|---|
| TellerScore | 57 | 86 (stronger) |
| Capital cushion | 38 | 76 (stronger) |
| Loan quality | 71 | 91 (stronger) |
| Earnings | 52 | 82 (stronger) |
| Funding & liquidity | 59 | 92 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 14th | 80th |
| Total assets | $790.8M | $78.6M |
| Deposits / shares | $670.1M | $68.4M |
| Capital ratio | 8.84% | 12.63% (stronger) |
| Problem loans | 0.87% | 0.26% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.13% |
| Return on assets | 0.81% | 1.55% (stronger) |
| Loans ÷ deposits | 80.9% | 68.2% (stronger) |
| Uninsured deposits | 33.5% | 3.9% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | — |
Select Employees Credit Union has the higher TellerScore (86 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Sauk Valley Bank & Trust Company leads on 1 and Select Employees Credit Union on 6. 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.