This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Cicero, IL
Health score
65.5
Total assets
$194.6M
Bank
Elmhurst, IL
Health score
76.1
Total assets
$194.5M
Answer first
Central Federal Savings and Loan Association leads on capitalization; Community Bank of Elmhurst leads on financial health and profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Community Bank of Elmhurst
Higher TFS health score
Capitalization
Central Federal Savings and Loan Association
Higher comparable capital ratio
Profitability
Community Bank of Elmhurst
Higher return on assets
Lending quality
Community Bank of Elmhurst
Lower problem-loan measure
Growth
Community Bank of Elmhurst
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Central Federal Savings and Loan Association | Community Bank of Elmhurst |
|---|---|---|
| TFS health score | 65.5/100 | 76.1/100Leads |
| Total assets | $194.6M | $194.5M |
| Total deposits / shares | $171.6M | $176.9M |
| Tier 1 capital ratio | 10.32%Leads | 9.94% |
| Return on assets | 0.06% | 0.67%Leads |
| Return on equity | 0.60% | 11.49% |
Central Federal Savings and Loan Association
3 branches
Community Bank of Elmhurst
2 branches
Both institutions report branches in 1 state: IL.
Central Federal Savings and Loan Association
Unavailable
Community Bank of Elmhurst
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Central Federal Savings and Loan Association
0 in TFS registry
Community Bank of Elmhurst
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Central Federal Savings and Loan Association score | Central Federal Savings and Loan Association ROA | Community Bank of Elmhurst score | Community Bank of Elmhurst ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.00% | — | 0.30% |
| 2024-Q4 | — | -0.05% | — | 0.31% |
| 2025-Q1 | — | -0.22% | — | 0.49% |
| 2025-Q2 | — | -0.11% | — | 0.48% |
| 2025-Q3 | — | -0.06% | — | 0.49% |
| 2025-Q4 | — | -0.03% | — | 0.54% |
| 2026-Q1 |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.65% | 0.02%Leads |
| Net charge-offs | -0.01%Leads | 0.09% |
| Efficiency ratio | 97.68% | 78.76%Leads |
| Loan-to-deposit ratio | 79.72% | 70.85% |
| Asset growth (YoY) | -1.22% | 4.09%Leads |
| Deposit / share growth (YoY) | 1.52%Leads | 0.03% |
| Branches | 3 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 66.7/100 |
| -0.05% |
| 75.3/100 |
| 0.71% |
| 2026-Q2 | 65.5/100 | 0.06% | 76.1/100 | 0.67% |