Side-by-side · Q2 2026 data
The Gerber State Bank vs I.B.E.W. Local #146 Credit Union
Credit union
I.B.E.W. Local #146 Credit Union
Decatur, Illinois · Under $100 million in assets
Metric by metric
| Measure | The Gerber State Bank | I.B.E.W. Local #146 Credit Union |
|---|---|---|
| TellerScore | 71 | 94 (stronger) |
| Capital cushion | 73 | 85 (stronger) |
| Loan quality | 56 | 100 (stronger) |
| Earnings | 66 | 93 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 47th | 95th |
| Total assets | $100.8M | $5.0M |
| Deposits / shares | $78.1M | $4.3M |
| Capital ratio | 12.31% | 13.51% (stronger) |
| Problem loans | 1.31% | 0.00% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 1.14% | 1.81% (stronger) |
| Loans ÷ deposits | 60.2% | 41.2% (stronger) |
| Uninsured deposits | 24.0% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
I.B.E.W. Local #146 Credit Union has the higher TellerScore (94 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Gerber State Bank leads on 1 and I.B.E.W. Local #146 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.