Side-by-side · Q2 2026 data
The Western State Bank vs Golden Plains Credit Union
Metric by metric
| Measure | The Western State Bank | Golden Plains Credit Union |
|---|---|---|
| TellerScore | 49 | 70 (stronger) |
| Capital cushion | 57 | 82 (stronger) |
| Loan quality | 0 | 65 (stronger) |
| Earnings | 77 (stronger) | 55 |
| Funding & liquidity | 66 | 67 (stronger) |
| Problem-loan coverage | 66 | 85 (stronger) |
| Peer percentile | 6th | 58th |
| Total assets | $802.1M | $1.0B |
| Deposits / shares | $717.2M | $863.6M |
| Capital ratio | 10.69% | 13.21% (stronger) |
| Problem loans | 3.04% | 1.06% (stronger) |
| Net charge-offs | 1.32% | 0.85% (stronger) |
| Return on assets | 1.43% (stronger) | 0.88% |
| Loans ÷ deposits | 72.4% (stronger) | 92.9% |
| Uninsured deposits | 34.8% | 9.8% (stronger) |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.0% |
Golden Plains Credit Union has the higher TellerScore (70 vs 49). On the 7 directional measures above (where higher or lower is clearly better), The Western State Bank leads on 2 and Golden Plains Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.