Side-by-side · Q2 2026 data
Smartchoice Credit Union vs Streator Onized Credit Union
Metric by metric
| Measure | Smartchoice Credit Union | Streator Onized Credit Union |
|---|---|---|
| TellerScore | 74 | 84 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 64 | 84 (stronger) |
| Earnings | 43 | 67 (stronger) |
| Funding & liquidity | 66 | 70 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 49th | 86th |
| Total assets | $787K | $423.3M |
| Deposits / shares | $548K | $354.0M |
| Capital ratio | 30.27% (stronger) | 15.58% |
| Problem loans | 1.07% | 0.47% (stronger) |
| Net charge-offs | -0.72% (stronger) | 1.21% |
| Return on assets | 0.56% | 1.19% (stronger) |
| Loans ÷ deposits | 93.8% | 90.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.6% |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.2% |
Streator Onized Credit Union has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Smartchoice Credit Union leads on 3 and Streator Onized Credit Union on 4. 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.