Side-by-side · Q2 2026 data
Urbana Municipal Employees Credit Union vs I.B.E.W. Local #146 Credit Union
Credit union
Urbana Municipal Employees Credit Union
Urbana, Illinois · Under $100 million in assets
Credit union
I.B.E.W. Local #146 Credit Union
Decatur, Illinois · Under $100 million in assets
Metric by metric
| Measure | Urbana Municipal Employees Credit Union | I.B.E.W. Local #146 Credit Union |
|---|---|---|
| TellerScore | 66 | 94 (stronger) |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 86 | 93 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 74 | 100 (stronger) |
| Peer percentile | 32nd | 95th |
| Total assets | $4.9M | $5.0M |
| Deposits / shares | $4.2M | $4.3M |
| Capital ratio | 15.30% (stronger) | 13.51% |
| Problem loans | 3.18% | 0.00% (stronger) |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 1.66% | 1.81% (stronger) |
| Loans ÷ deposits | 81.4% | 41.2% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.0% |
| Offices | 1 | 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 66). On the 7 directional measures above (where higher or lower is clearly better), Urbana Municipal Employees Credit Union leads on 2 and I.B.E.W. Local #146 Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.