Side-by-side · Q2 2026 data
Sherwin Williams Emp. Credit Union vs Area Educational Credit Union
Credit union
Sherwin Williams Emp. Credit Union
South Holland, Illinois · Under $100 million in assets
Credit union
Area Educational Credit Union
Mattoon, Illinois · Under $100 million in assets
Metric by metric
| Measure | Sherwin Williams Emp. Credit Union | Area Educational Credit Union |
|---|---|---|
| TellerScore | 71 | 87 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 69 | 69 |
| Earnings | 20 | 74 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 42nd | 83rd |
| Total assets | $37.0M | $33.7M |
| Deposits / shares | $33.3M | $26.8M |
| Capital ratio | 13.64% | 20.35% (stronger) |
| Problem loans | 0.94% | 0.92% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.33% |
| Return on assets | 0.00% | 1.34% (stronger) |
| Loans ÷ deposits | 46.2% | 45.7% (stronger) |
| Uninsured deposits | 3.6% | 1.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Area Educational Credit Union has the higher TellerScore (87 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Sherwin Williams Emp. Credit Union leads on 1 and Area Educational Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.