Side-by-side · Q2 2026 data
Select Employees Credit Union vs Blackhawk Area Credit Union
Credit union
Select Employees Credit Union
Sterling, Illinois · Under $100 million in assets
Metric by metric
| Measure | Select Employees Credit Union | Blackhawk Area Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 79 |
| Capital cushion | 76 | 84 (stronger) |
| Loan quality | 91 | 96 (stronger) |
| Earnings | 82 (stronger) | 45 |
| Funding & liquidity | 92 (stronger) | 71 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 80th | 62nd |
| Total assets | $78.6M | $39.1M |
| Deposits / shares | $68.4M | $34.5M |
| Capital ratio | 12.63% | 13.41% (stronger) |
| Problem loans | 0.26% | 0.13% (stronger) |
| Net charge-offs | 0.13% | 0.09% (stronger) |
| Return on assets | 1.55% (stronger) | 0.62% |
| Loans ÷ deposits | 68.2% (stronger) | 89.3% |
| Uninsured deposits | 3.9% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Select Employees Credit Union has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Select Employees Credit Union leads on 3 and Blackhawk Area Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.