Side-by-side · Q2 2026 data
The Bank of Herrin vs Carbondale Highway Credit Union
Credit union
Carbondale Highway Credit Union
Carbondale, Illinois · Under $100 million in assets
Metric by metric
| Measure | The Bank of Herrin | Carbondale Highway Credit Union |
|---|---|---|
| TellerScore | 65 | 90 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 72 | 100 (stronger) |
| Earnings | 69 (stronger) | 51 |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 29th | 89th |
| Total assets | $349.2M | $5.6M |
| Deposits / shares | $326.5M | $4.7M |
| Capital ratio | 8.81% | 15.59% (stronger) |
| Problem loans | 0.83% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.40% |
| Return on assets | 1.23% (stronger) | 0.76% |
| Loans ÷ deposits | 70.2% | 56.4% (stronger) |
| Uninsured deposits | 18.4% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | — |
Carbondale Highway Credit Union has the higher TellerScore (90 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Herrin leads on 2 and Carbondale Highway Credit Union on 5. 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.