Side-by-side · Q2 2026 data
Scott State Bank vs I.B.E.W. Local #146 Credit Union
Credit union
I.B.E.W. Local #146 Credit Union
Decatur, Illinois · Under $100 million in assets
Metric by metric
| Measure | Scott State Bank | I.B.E.W. Local #146 Credit Union |
|---|---|---|
| TellerScore | 86 | 94 (stronger) |
| Capital cushion | 87 (stronger) | 85 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 65 | 93 (stronger) |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 90th | 95th |
| Total assets | $203.5M | $5.0M |
| Deposits / shares | $178.0M | $4.3M |
| Capital ratio | 13.67% (stronger) | 13.51% |
| Problem loans | 0.24% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.12% | 1.81% (stronger) |
| Loans ÷ deposits | 65.5% | 41.2% (stronger) |
| Uninsured deposits | 17.9% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
I.B.E.W. Local #146 Credit Union has the higher TellerScore (94 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Scott State Bank leads on 1 and I.B.E.W. Local #146 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.