Side-by-side · Q2 2026 data
Teutopolis State Bank vs Area Educational Credit Union
Credit union
Area Educational Credit Union
Mattoon, Illinois · Under $100 million in assets
Metric by metric
| Measure | Teutopolis State Bank | Area Educational Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 87 |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 100 (stronger) | 69 |
| Earnings | 91 (stronger) | 74 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 100th | 83rd |
| Total assets | $358.5M | $33.7M |
| Deposits / shares | $309.0M | $26.8M |
| Capital ratio | 14.72% | 20.35% (stronger) |
| Problem loans | 0.00% (stronger) | 0.92% |
| Net charge-offs | -0.01% (stronger) | 0.33% |
| Return on assets | 1.77% (stronger) | 1.34% |
| Loans ÷ deposits | 58.4% | 45.7% (stronger) |
| Uninsured deposits | 16.7% | 1.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Teutopolis State Bank has the higher TellerScore (97 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Teutopolis State Bank leads on 4 and Area Educational Credit Union on 3. 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.