Side-by-side · Q2 2026 data
The First National Bank of Carmi vs Hershey Robinson Employees Credit Union
Credit union
Hershey Robinson Employees Credit Union
Robinson, Illinois · Under $100 million in assets
Metric by metric
| Measure | The First National Bank of Carmi | Hershey Robinson Employees Credit Union |
|---|---|---|
| TellerScore | 75 | 86 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 88 (stronger) | 54 |
| Earnings | 68 | 93 (stronger) |
| Funding & liquidity | 68 | 94 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 61st | 80th |
| Total assets | $622.2M | $3.3M |
| Deposits / shares | $545.5M | $2.5M |
| Capital ratio | 11.42% | 25.00% (stronger) |
| Problem loans | 0.35% (stronger) | 1.37% |
| Net charge-offs | -0.15% (stronger) | 0.04% |
| Return on assets | 1.19% | 1.83% (stronger) |
| Loans ÷ deposits | 77.5% | 66.7% (stronger) |
| Uninsured deposits | 28.5% | 0.0% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
Hershey Robinson Employees Credit Union has the higher TellerScore (86 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Carmi leads on 2 and Hershey Robinson Employees 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.