Side-by-side · Q2 2026 data
Woodford State Bank vs Blackhawk Area Credit Union
Metric by metric
| Measure | Woodford State Bank | Blackhawk Area Credit Union |
|---|---|---|
| TellerScore | 66 | 79 (stronger) |
| Capital cushion | 31 | 84 (stronger) |
| Loan quality | 88 | 96 (stronger) |
| Earnings | 79 (stronger) | 45 |
| Funding & liquidity | 64 | 71 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 31st | 62nd |
| Total assets | $523.4M | $39.1M |
| Deposits / shares | $406.1M | $34.5M |
| Capital ratio | 8.11% | 13.41% (stronger) |
| Problem loans | 0.36% | 0.13% (stronger) |
| Net charge-offs | 0.12% | 0.09% (stronger) |
| Return on assets | 1.47% (stronger) | 0.62% |
| Loans ÷ deposits | 96.7% | 89.3% (stronger) |
| Uninsured deposits | 12.1% | 0.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | — |
Blackhawk Area Credit Union has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Woodford State Bank leads on 1 and Blackhawk Area 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.