Side-by-side · Q2 2026 data
The First National Bank in Amboy vs Select Employees Credit Union
Credit union
Select Employees Credit Union
Sterling, Illinois · Under $100 million in assets
Metric by metric
| Measure | The First National Bank in Amboy | Select Employees Credit Union |
|---|---|---|
| TellerScore | 78 | 86 (stronger) |
| Capital cushion | 57 | 76 (stronger) |
| Loan quality | 99 (stronger) | 91 |
| Earnings | 60 | 82 (stronger) |
| Funding & liquidity | 94 (stronger) | 92 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 72nd | 80th |
| Total assets | $324.5M | $78.6M |
| Deposits / shares | $264.9M | $68.4M |
| Capital ratio | 10.67% | 12.63% (stronger) |
| Problem loans | 0.04% (stronger) | 0.26% |
| Net charge-offs | -0.01% (stronger) | 0.13% |
| Return on assets | 1.01% | 1.55% (stronger) |
| Loans ÷ deposits | 49.6% (stronger) | 68.2% |
| Uninsured deposits | 20.2% | 3.9% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Select Employees Credit Union has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank in Amboy leads on 3 and Select Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.