Side-by-side · Q2 2026 data
Think Mutual Bank vs West Metro Schools Credit Union
Credit union
West Metro Schools Credit Union
Hopkins, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Think Mutual Bank | West Metro Schools Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 65 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 4 |
| Earnings | 45 | 54 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 97th | 30th |
| Total assets | $2.2B | $43.6M |
| Deposits / shares | $1.9B | $35.7M |
| Capital ratio | 16.25% | 17.85% (stronger) |
| Problem loans | 0.25% (stronger) | 2.87% |
| Net charge-offs | 0.05% (stronger) | 0.75% |
| Return on assets | 0.63% | 0.84% (stronger) |
| Loans ÷ deposits | 64.8% | 54.9% (stronger) |
| Uninsured deposits | 5.8% | 1.0% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | — |
Think Mutual Bank has the higher TellerScore (86 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Think Mutual Bank leads on 3 and West Metro Schools Credit Union on 4. 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.