Side-by-side · Q2 2026 data
Southern Illinois Bank vs Siu Credit Union
Metric by metric
| Measure | Southern Illinois Bank | Siu Credit Union |
|---|---|---|
| TellerScore | 62 | 72 (stronger) |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 0 | 70 (stronger) |
| Earnings | 65 | 67 (stronger) |
| Funding & liquidity | 82 | 85 (stronger) |
| Problem-loan coverage | 64 | 90 (stronger) |
| Peer percentile | 22nd | 57th |
| Total assets | $136.5M | $591.3M |
| Deposits / shares | $114.1M | $519.4M |
| Capital ratio | 17.72% (stronger) | 11.56% |
| Problem loans | 4.75% | 0.90% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.60% |
| Return on assets | 1.13% | 1.17% (stronger) |
| Loans ÷ deposits | 63.6% (stronger) | 75.3% |
| Uninsured deposits | 28.5% | 3.5% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.1% |
Siu Credit Union has the higher TellerScore (72 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Southern Illinois Bank leads on 3 and Siu Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.