Side-by-side · Q2 2026 data
First Watch Federal Credit Union vs Windthorst Federal Credit Union
Metric by metric
| Measure | First Watch Federal Credit Union | Windthorst Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 73 (stronger) |
| Capital cushion | 43 | 72 (stronger) |
| Loan quality | 99 (stronger) | 65 |
| Earnings | 28 | 64 (stronger) |
| Funding & liquidity | 87 | 87 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 37th | 60th |
| Total assets | $104.7M | $103.6M |
| Deposits / shares | $94.7M | $90.8M |
| Capital ratio | 9.33% | 12.19% (stronger) |
| Problem loans | 0.03% (stronger) | 1.04% |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 0.19% | 1.10% (stronger) |
| Loans ÷ deposits | 73.0% | 68.2% (stronger) |
| Uninsured deposits | 6.4% (stronger) | 19.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.8% | 2.6% |
Windthorst Federal Credit Union has the higher TellerScore (73 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Watch Federal Credit Union leads on 2 and Windthorst Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.