Side-by-side · Q2 2026 data
St. Charles Bank & Trust Company, National Association vs Earthmover Credit Union
Bank
St. Charles Bank & Trust Company, National Association
Saint Charles, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | St. Charles Bank & Trust Company, National Association | Earthmover Credit Union |
|---|---|---|
| TellerScore | 66 | 87 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 77 (stronger) | 75 |
| Earnings | 77 (stronger) | 72 |
| Funding & liquidity | 55 | 92 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 40th | 91st |
| Total assets | $3.7B | $471.7M |
| Deposits / shares | $3.1B | $385.6M |
| Capital ratio | 9.64% | 19.34% (stronger) |
| Problem loans | 0.70% (stronger) | 0.75% |
| Net charge-offs | 0.20% (stronger) | 0.34% |
| Return on assets | 1.44% (stronger) | 1.30% |
| Loans ÷ deposits | 87.4% | 68.1% (stronger) |
| Uninsured deposits | 31.2% | 0.0% (stronger) |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Earthmover Credit Union has the higher TellerScore (87 vs 66). On the 7 directional measures above (where higher or lower is clearly better), St. Charles Bank & Trust Company, National Association leads on 3 and Earthmover 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.