Side-by-side · Q2 2026 data
Central Federal Savings and Loan Association vs Western Springs Federal Credit Union
Bank
Central Federal Savings and Loan Association
Cicero, Illinois · $100 million – $1 billion
Credit union
Western Springs Federal Credit Union
Western Springs, Illinois · Under $100 million in assets
Metric by metric
| Measure | Central Federal Savings and Loan Association | Western Springs Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 95 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 78 | 85 (stronger) |
| Earnings | 22 | 95 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 20th | 96th |
| Total assets | $194.6M | $3.9M |
| Deposits / shares | $171.6M | $3.2M |
| Capital ratio | 10.32% | 18.19% (stronger) |
| Problem loans | 0.65% | 0.46% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.06% | 1.88% (stronger) |
| Loans ÷ deposits | 79.7% | 47.7% (stronger) |
| Uninsured deposits | 11.7% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western Springs Federal Credit Union has the higher TellerScore (95 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Central Federal Savings and Loan Association leads on 1 and Western Springs Federal 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.