Side-by-side · Q2 2026 data
First Secure Bank and Trust Co. vs Western Springs Federal Credit Union
Credit union
Western Springs Federal Credit Union
Western Springs, Illinois · Under $100 million in assets
Metric by metric
| Measure | First Secure Bank and Trust Co. | Western Springs Federal Credit Union |
|---|---|---|
| TellerScore | 39 | 95 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 0 | 85 (stronger) |
| Earnings | 40 | 95 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 13 | 98 (stronger) |
| Peer percentile | 2nd | 96th |
| Total assets | $396.2M | $3.9M |
| Deposits / shares | $313.7M | $3.2M |
| Capital ratio | 11.49% | 18.19% (stronger) |
| Problem loans | 6.29% | 0.46% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.51% | 1.88% (stronger) |
| Loans ÷ deposits | 94.7% | 47.7% (stronger) |
| Uninsured deposits | 15.5% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western Springs Federal Credit Union has the higher TellerScore (95 vs 39). On the 7 directional measures above (where higher or lower is clearly better), First Secure Bank and Trust Co. 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.