Side-by-side · Q2 2026 data
State Employees Community Credit Union vs B.E.A. Credit Union
Credit union
State Employees Community Credit Union
Alton, Illinois · Under $100 million in assets
Metric by metric
| Measure | State Employees Community Credit Union | B.E.A. Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 54 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 49 (stronger) | 31 |
| Funding & liquidity | 93 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 76 |
| Peer percentile | 87th | 13th |
| Total assets | $6.7M | $2.4M |
| Deposits / shares | $5.3M | $1.7M |
| Capital ratio | 20.02% | 26.75% (stronger) |
| Problem loans | 0.00% (stronger) | 5.12% |
| Net charge-offs | 0.38% | -0.22% (stronger) |
| Return on assets | 0.73% (stronger) | 0.28% |
| Loans ÷ deposits | 67.5% (stronger) | 93.5% |
| Uninsured deposits | 1.2% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Employees Community Credit Union has the higher TellerScore (89 vs 54). On the 7 directional measures above (where higher or lower is clearly better), State Employees Community Credit Union leads on 4 and B.E.A. Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.