Side-by-side · Q2 2026 data
Teutopolis State Bank vs Effingham Highway Credit Union
Credit union
Effingham Highway Credit Union
Effingham, Illinois · Under $100 million in assets
Metric by metric
| Measure | Teutopolis State Bank | Effingham Highway Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 94 |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 98 (stronger) | 57 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 100th | 95th |
| Total assets | $358.5M | $5.9M |
| Deposits / shares | $309.0M | $4.7M |
| Capital ratio | 14.72% | 19.83% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.01% (stronger) | 0.68% |
| Return on assets | 1.77% | 2.22% (stronger) |
| Loans ÷ deposits | 58.4% (stronger) | 102.8% |
| Uninsured deposits | 16.7% | 0.0% (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 94). On the 6 directional measures above (where higher or lower is clearly better), Teutopolis State Bank leads on 3 and Effingham Highway 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.