Side-by-side · Q2 2026 data
South Side Community Federal Credit Union vs Effingham Highway Credit Union
Credit union
South Side Community Federal Credit Union
Chicago, Illinois · Under $100 million in assets
Credit union
Effingham Highway Credit Union
Effingham, Illinois · Under $100 million in assets
Metric by metric
| Measure | South Side Community Federal Credit Union | Effingham Highway Credit Union |
|---|---|---|
| TellerScore | 73 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 57 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 47th | 95th |
| Total assets | $5.7M | $5.9M |
| Deposits / shares | $4.6M | $4.7M |
| Capital ratio | 18.54% | 19.83% (stronger) |
| Problem loans | 0.82% | 0.00% (stronger) |
| Net charge-offs | 2.27% | 0.68% (stronger) |
| Return on assets | -2.79% | 2.22% (stronger) |
| Loans ÷ deposits | 28.3% (stronger) | 102.8% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Effingham Highway Credit Union has the higher TellerScore (94 vs 73). On the 6 directional measures above (where higher or lower is clearly better), South Side Community Federal Credit Union leads on 1 and Effingham Highway Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.