Side-by-side · Q2 2026 data
Spring Valley City Bank vs Streator Onized Credit Union
Metric by metric
| Measure | Spring Valley City Bank | Streator Onized Credit Union |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 94 (stronger) | 84 |
| Earnings | 54 | 67 (stronger) |
| Funding & liquidity | 89 (stronger) | 70 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 86th | 86th |
| Total assets | $207.0M | $423.3M |
| Deposits / shares | $179.1M | $354.0M |
| Capital ratio | 13.86% | 15.58% (stronger) |
| Problem loans | 0.18% (stronger) | 0.47% |
| Net charge-offs | 0.00% (stronger) | 1.21% |
| Return on assets | 0.84% | 1.19% (stronger) |
| Loans ÷ deposits | 69.1% (stronger) | 90.6% |
| Uninsured deposits | 17.3% | 4.6% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.2% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Spring Valley City Bank leads on 3 and Streator Onized Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.