Side-by-side · Q2 2026 data
Southern Illinois Bank vs Carbondale Highway Credit Union
Credit union
Carbondale Highway Credit Union
Carbondale, Illinois · Under $100 million in assets
Metric by metric
| Measure | Southern Illinois Bank | Carbondale Highway Credit Union |
|---|---|---|
| TellerScore | 62 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 65 (stronger) | 51 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 64 | 100 (stronger) |
| Peer percentile | 22nd | 89th |
| Total assets | $136.5M | $5.6M |
| Deposits / shares | $114.1M | $4.7M |
| Capital ratio | 17.72% (stronger) | 15.59% |
| Problem loans | 4.75% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.40% |
| Return on assets | 1.13% (stronger) | 0.76% |
| Loans ÷ deposits | 63.6% | 56.4% (stronger) |
| Uninsured deposits | 28.5% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carbondale Highway Credit Union has the higher TellerScore (90 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Southern Illinois Bank leads on 3 and Carbondale Highway 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.