Side-by-side · Q2 2026 data
5Star Bank vs Westerra Credit Union
Metric by metric
| Measure | 5Star Bank | Westerra Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 95 (stronger) | 83 |
| Earnings | 95 (stronger) | 39 |
| Funding & liquidity | 31 | 75 (stronger) |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 91st | 41st |
| Total assets | $378.2M | $2.1B |
| Deposits / shares | $312.1M | $1.7B |
| Capital ratio | 17.24% (stronger) | 10.30% |
| Problem loans | 0.16% (stronger) | 0.50% |
| Net charge-offs | 0.07% (stronger) | 0.94% |
| Return on assets | 1.86% (stronger) | 0.47% |
| Loans ÷ deposits | 96.1% | 85.1% (stronger) |
| Uninsured deposits | 45.1% | 9.5% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 29.1% |
5Star Bank has the higher TellerScore (87 vs 65). On the 7 directional measures above (where higher or lower is clearly better), 5Star Bank leads on 5 and Westerra Credit Union on 2. 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.