Side-by-side · Q2 2026 data
Time Bank 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 | Time Bank | Western Springs Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 95 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 42 | 85 (stronger) |
| Earnings | 100 (stronger) | 95 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 43rd | 96th |
| Total assets | $712.8M | $3.9M |
| Deposits / shares | $608.2M | $3.2M |
| Capital ratio | 11.91% | 18.19% (stronger) |
| Problem loans | 1.75% | 0.46% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.02% (stronger) | 1.88% |
| Loans ÷ deposits | 84.1% | 47.7% (stronger) |
| Uninsured deposits | 19.1% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western Springs Federal Credit Union has the higher TellerScore (95 vs 70). On the 6 directional measures above (where higher or lower is clearly better), Time Bank leads on 1 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.