Side-by-side · Q2 2026 data
Union National Bank and Trust Company of Elgin vs Earthmover Credit Union
Metric by metric
| Measure | Union National Bank and Trust Company of Elgin | Earthmover Credit Union |
|---|---|---|
| TellerScore | 73 | 87 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 81 (stronger) | 72 |
| Funding & liquidity | 45 | 92 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 53rd | 91st |
| Total assets | $421.8M | $471.7M |
| Deposits / shares | $376.9M | $385.6M |
| Capital ratio | 9.85% | 19.34% (stronger) |
| Problem loans | 0.00% (stronger) | 0.75% |
| Net charge-offs | -0.00% (stronger) | 0.34% |
| Return on assets | 1.52% (stronger) | 1.30% |
| Loans ÷ deposits | 91.5% | 68.1% (stronger) |
| Uninsured deposits | 36.6% | 0.0% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Earthmover Credit Union has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Union National Bank and Trust Company of Elgin leads on 3 and Earthmover Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.