Side-by-side · Q2 2026 data
Shelby County State Bank vs Effingham Highway Credit Union
Credit union
Effingham Highway Credit Union
Effingham, Illinois · Under $100 million in assets
Metric by metric
| Measure | Shelby County State Bank | Effingham Highway Credit Union |
|---|---|---|
| TellerScore | 76 | 94 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 88 | 100 (stronger) |
| Funding & liquidity | 71 (stronger) | 57 |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 64th | 95th |
| Total assets | $363.2M | $5.9M |
| Deposits / shares | $324.7M | $4.7M |
| Capital ratio | 10.44% | 19.83% (stronger) |
| Problem loans | 0.31% | 0.00% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.68% |
| Return on assets | 1.70% | 2.22% (stronger) |
| Loans ÷ deposits | 78.6% (stronger) | 102.8% |
| Uninsured deposits | 25.0% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Effingham Highway Credit Union has the higher TellerScore (94 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Shelby County State Bank leads on 2 and Effingham Highway 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.