Side-by-side · Q2 2026 data
International Bank of Chicago 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 | International Bank of Chicago | Western Springs Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 95 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 98 (stronger) | 85 |
| Earnings | 93 | 95 (stronger) |
| Funding & liquidity | 46 | 100 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 82nd | 96th |
| Total assets | $982.7M | $3.9M |
| Deposits / shares | $863.0M | $3.2M |
| Capital ratio | 12.54% | 18.19% (stronger) |
| Problem loans | 0.05% (stronger) | 0.46% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.82% | 1.88% (stronger) |
| Loans ÷ deposits | 85.2% | 47.7% (stronger) |
| Uninsured deposits | 41.4% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | — |
Western Springs Federal Credit Union has the higher TellerScore (95 vs 82). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Chicago leads on 2 and Western Springs Federal 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.