Side-by-side · Q2 2026 data
Spring Valley City Bank vs Illinois Valley Credit Union
Metric by metric
| Measure | Spring Valley City Bank | Illinois Valley Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 58 |
| Capital cushion | 89 (stronger) | 51 |
| Loan quality | 94 (stronger) | 89 |
| Earnings | 54 (stronger) | 0 |
| Funding & liquidity | 89 (stronger) | 75 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 86th | 19th |
| Total assets | $207.0M | $36.3M |
| Deposits / shares | $179.1M | $32.4M |
| Capital ratio | 13.86% (stronger) | 10.12% |
| Problem loans | 0.18% (stronger) | 0.34% |
| Net charge-offs | 0.00% (stronger) | 0.51% |
| Return on assets | 0.84% (stronger) | -2.12% |
| Loans ÷ deposits | 69.1% (stronger) | 85.6% |
| Uninsured deposits | 17.3% | 2.7% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spring Valley City Bank has the higher TellerScore (84 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Spring Valley City Bank leads on 6 and Illinois Valley Credit Union on 1. 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.