Side-by-side · Q2 2026 data
Huron Valley State Bank vs Westacres Credit Union
Metric by metric
| Measure | Huron Valley State Bank | Westacres Credit Union |
|---|---|---|
| TellerScore | 53 | 82 (stronger) |
| Capital cushion | 50 | 85 (stronger) |
| Loan quality | 43 | 100 (stronger) |
| Earnings | 58 (stronger) | 31 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 73 | 100 (stronger) |
| Peer percentile | 9th | 70th |
| Total assets | $291.9M | $7.1M |
| Deposits / shares | $261.4M | $6.0M |
| Capital ratio | 9.96% | 13.47% (stronger) |
| Problem loans | 1.70% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.95% (stronger) | 0.28% |
| Loans ÷ deposits | 92.0% | 19.0% (stronger) |
| Uninsured deposits | 27.4% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Westacres Credit Union has the higher TellerScore (82 vs 53). On the 6 directional measures above (where higher or lower is clearly better), Huron Valley State Bank leads on 1 and Westacres Credit Union on 5. 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.