Side-by-side · Q2 2026 data
Waterman Bank vs Earthmover Credit Union
Metric by metric
| Measure | Waterman Bank | Earthmover Credit Union |
|---|---|---|
| TellerScore | 60 | 87 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 41 | 75 (stronger) |
| Earnings | 39 | 72 (stronger) |
| Funding & liquidity | 60 | 92 (stronger) |
| Problem-loan coverage | 83 | 96 (stronger) |
| Peer percentile | 19th | 91st |
| Total assets | $173.6M | $471.7M |
| Deposits / shares | $144.3M | $385.6M |
| Capital ratio | 13.20% | 19.34% (stronger) |
| Problem loans | 1.78% | 0.75% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.34% |
| Return on assets | 0.47% | 1.30% (stronger) |
| Loans ÷ deposits | 86.5% | 68.1% (stronger) |
| Uninsured deposits | 27.1% | 0.0% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Earthmover Credit Union has the higher TellerScore (87 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Waterman Bank leads on 1 and Earthmover Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Montgomery, IL