Side-by-side · Q2 2026 data
The First Trust and Savings Bank of Watseka, Illinois vs 2 Rivers Area Credit Union
Bank
The First Trust and Savings Bank of Watseka, Illinois
Watseka, Illinois · $100 million – $1 billion
Metric by metric
| Measure | The First Trust and Savings Bank of Watseka, Illinois | 2 Rivers Area Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 57 |
| Loan quality | 99 (stronger) | 74 |
| Earnings | 92 (stronger) | 34 |
| Funding & liquidity | 86 | 96 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 99th | 32nd |
| Total assets | $337.1M | $27.7M |
| Deposits / shares | $285.9M | $25.1M |
| Capital ratio | 16.10% (stronger) | 10.68% |
| Problem loans | 0.03% (stronger) | 0.78% |
| Net charge-offs | 0.01% (stronger) | 0.27% |
| Return on assets | 1.80% (stronger) | 0.35% |
| Loans ÷ deposits | 53.2% (stronger) | 64.7% |
| Uninsured deposits | 27.4% | 6.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First Trust and Savings Bank of Watseka, Illinois has the higher TellerScore (96 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The First Trust and Savings Bank of Watseka, Illinois leads on 6 and 2 Rivers Area Credit Union on 1. 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.