Side-by-side · Q2 2026 data
Vicinity Credit Union vs Illinois State Credit Union
Metric by metric
| Measure | Vicinity Credit Union | Illinois State Credit Union |
|---|---|---|
| TellerScore | 53 | 69 (stronger) |
| Capital cushion | 32 | 57 (stronger) |
| Loan quality | 69 | 82 (stronger) |
| Earnings | 9 | 59 (stronger) |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 9th | 48th |
| Total assets | $203.9M | $248.6M |
| Deposits / shares | $192.7M | $219.3M |
| Capital ratio | 8.19% | 10.74% (stronger) |
| Problem loans | 0.92% | 0.54% (stronger) |
| Net charge-offs | 0.62% (stronger) | 0.65% |
| Return on assets | -0.28% | 0.97% (stronger) |
| Loans ÷ deposits | 45.0% (stronger) | 90.2% |
| Uninsured deposits | 5.9% | 1.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Illinois State Credit Union has the higher TellerScore (69 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Vicinity Credit Union leads on 2 and Illinois State Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.