Side-by-side · Q2 2026 data
State Employees Community Credit Union vs Scott 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 | Scott Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 100 (stronger) | 82 |
| Earnings | 49 | 65 (stronger) |
| Funding & liquidity | 93 (stronger) | 83 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 87th | 62nd |
| Total assets | $6.7M | $1.9B |
| Deposits / shares | $5.3M | $1.6B |
| Capital ratio | 20.02% (stronger) | 10.14% |
| Problem loans | 0.00% (stronger) | 0.54% |
| Net charge-offs | 0.38% (stronger) | 0.97% |
| Return on assets | 0.73% | 1.14% (stronger) |
| Loans ÷ deposits | 67.5% (stronger) | 77.7% |
| Uninsured deposits | 1.2% (stronger) | 6.8% |
| Offices | 1 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.3% |
State Employees Community Credit Union has the higher TellerScore (89 vs 71). On the 7 directional measures above (where higher or lower is clearly better), State Employees Community Credit Union leads on 6 and Scott 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.