Side-by-side · Q2 2026 data
Formation Federal Credit Union vs Wesla Federal Credit Union
Credit union
Formation Federal Credit Union
Baton Rouge, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Formation Federal Credit Union | Wesla Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 91 | 99 (stronger) |
| Loan quality | 71 (stronger) | 66 |
| Earnings | 43 | 50 (stronger) |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 54th | 68th |
| Total assets | $93.0M | $93.0M |
| Deposits / shares | $79.6M | $79.4M |
| Capital ratio | 14.10% | 14.93% (stronger) |
| Problem loans | 0.88% (stronger) | 1.02% |
| Net charge-offs | 0.89% | 0.31% (stronger) |
| Return on assets | 0.58% | 0.74% (stronger) |
| Loans ÷ deposits | 72.2% | 44.9% (stronger) |
| Uninsured deposits | 5.8% | 3.1% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wesla Federal Credit Union has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Formation Federal Credit Union leads on 1 and Wesla Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.