Side-by-side · Q2 2026 data
State Bank of Bement vs Clifford-Jacobs Employees Credit Union
Credit union
Clifford-Jacobs Employees Credit Union
Champaign, Illinois · Under $100 million in assets
Metric by metric
| Measure | State Bank of Bement | Clifford-Jacobs Employees Credit Union |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 82 | 95 (stronger) |
| Earnings | 47 | 74 (stronger) |
| Funding & liquidity | 81 (stronger) | 50 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 34th | 80th |
| Total assets | $185.6M | $1.2M |
| Deposits / shares | $165.9M | $519K |
| Capital ratio | 10.19% | 55.54% (stronger) |
| Problem loans | 0.54% | 0.16% (stronger) |
| Net charge-offs | 0.05% | -0.26% (stronger) |
| Return on assets | 0.68% | 1.36% (stronger) |
| Loans ÷ deposits | 65.1% (stronger) | 140.4% |
| Uninsured deposits | 28.1% | 0.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
Clifford-Jacobs Employees Credit Union has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Bement leads on 1 and Clifford-Jacobs Employees Credit Union on 6. 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.