Side-by-side · Q2 2026 data
Servbank, National Association vs Education Personnel Federal Credit Union
Credit union
Education Personnel Federal Credit Union
Danville, Illinois · Under $100 million in assets
Metric by metric
| Measure | Servbank, National Association | Education Personnel Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 68 | 73 (stronger) |
| Loan quality | 80 | 80 |
| Earnings | 100 (stronger) | 50 |
| Funding & liquidity | 39 | 100 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 80th | 54th |
| Total assets | $1.7B | $74.3M |
| Deposits / shares | $1.2B | $65.6M |
| Capital ratio | 11.81% | 12.26% (stronger) |
| Problem loans | 0.59% (stronger) | 0.60% |
| Net charge-offs | -0.04% (stronger) | 0.06% |
| Return on assets | 2.21% (stronger) | 0.75% |
| Loans ÷ deposits | 86.8% | 50.7% (stronger) |
| Uninsured deposits | 46.2% | 2.2% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 90.1% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Servbank, National Association leads on 3 and Education Personnel Federal 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.