Side-by-side · Q2 2026 data
The Fountain Trust Company vs Education Personnel Federal Credit Union
Credit union
Education Personnel Federal Credit Union
Danville, Illinois · Under $100 million in assets
Metric by metric
| Measure | The Fountain Trust Company | Education Personnel Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 76 (stronger) |
| Capital cushion | 50 | 73 (stronger) |
| Loan quality | 79 | 80 (stronger) |
| Earnings | 62 (stronger) | 50 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 40th | 54th |
| Total assets | $844.6M | $74.3M |
| Deposits / shares | $744.1M | $65.6M |
| Capital ratio | 9.99% | 12.26% (stronger) |
| Problem loans | 0.63% | 0.60% (stronger) |
| Net charge-offs | 0.09% | 0.06% (stronger) |
| Return on assets | 1.04% (stronger) | 0.75% |
| Loans ÷ deposits | 69.0% | 50.7% (stronger) |
| Uninsured deposits | 20.7% | 2.2% (stronger) |
| Offices | 20 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.8% | — |
Education Personnel Federal Credit Union has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Fountain Trust Company leads on 1 and Education Personnel Federal Credit Union on 6. 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.