Side-by-side · Q2 2026 data
First State Bank vs Winnebago Community Credit Union
Credit union
Winnebago Community Credit Union
Oshkosh, Wisconsin · $100 million – $1 billion
Metric by metric
| Measure | First State Bank | Winnebago Community Credit Union |
|---|---|---|
| TellerScore | 69 | 85 (stronger) |
| Capital cushion | 48 | 88 (stronger) |
| Loan quality | 96 | 96 |
| Earnings | 53 | 63 (stronger) |
| Funding & liquidity | 68 | 78 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 40th | 87th |
| Total assets | $558.1M | $176.1M |
| Deposits / shares | $449.8M | $150.8M |
| Capital ratio | 9.80% | 13.75% (stronger) |
| Problem loans | 0.12% (stronger) | 0.13% |
| Net charge-offs | 0.02% (stronger) | 0.09% |
| Return on assets | 0.83% | 1.06% (stronger) |
| Loans ÷ deposits | 87.1% | 81.9% (stronger) |
| Uninsured deposits | 19.5% | 9.1% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Winnebago Community Credit Union has the higher TellerScore (85 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Winnebago Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.