Side-by-side · Q2 2026 data
Scott State Bank vs Area Educational Credit Union
Credit union
Area Educational Credit Union
Mattoon, Illinois · Under $100 million in assets
Metric by metric
| Measure | Scott State Bank | Area Educational Credit Union |
|---|---|---|
| TellerScore | 86 | 87 (stronger) |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 92 (stronger) | 69 |
| Earnings | 65 | 74 (stronger) |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 90th | 83rd |
| Total assets | $203.5M | $33.7M |
| Deposits / shares | $178.0M | $26.8M |
| Capital ratio | 13.67% | 20.35% (stronger) |
| Problem loans | 0.24% (stronger) | 0.92% |
| Net charge-offs | 0.03% (stronger) | 0.33% |
| Return on assets | 1.12% | 1.34% (stronger) |
| Loans ÷ deposits | 65.5% | 45.7% (stronger) |
| Uninsured deposits | 17.9% | 1.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
Area Educational Credit Union has the higher TellerScore (87 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Scott State Bank leads on 2 and Area Educational 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.