Side-by-side · Q2 2026 data
Williamsville State Bank & Trust vs Springfield City Employees Credit Union
Credit union
Springfield City Employees Credit Union
Springfield, Illinois · Under $100 million in assets
Metric by metric
| Measure | Williamsville State Bank & Trust | Springfield City Employees Credit Union |
|---|---|---|
| TellerScore | 73 | 85 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 65 | 89 (stronger) |
| Earnings | 19 | 52 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 48th | 77th |
| Total assets | $93.8M | $12.8M |
| Deposits / shares | $83.0M | $10.6M |
| Capital ratio | 14.53% | 17.15% (stronger) |
| Problem loans | 1.04% | 0.33% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | -0.03% | 0.79% (stronger) |
| Loans ÷ deposits | 29.2% (stronger) | 75.3% |
| Uninsured deposits | 12.9% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | — |
Springfield City Employees Credit Union has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Williamsville State Bank & Trust leads on 1 and Springfield City Employees 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.