Side-by-side · Q2 2026 data
Transact Bank, National Association vs Westerra Credit Union
Metric by metric
| Measure | Transact Bank, National Association | Westerra Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 33 | 39 (stronger) |
| Funding & liquidity | 98 (stronger) | 75 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 81st | 41st |
| Total assets | $6.5M | $2.1B |
| Deposits / shares | $5.1M | $1.7B |
| Capital ratio | 16.27% (stronger) | 10.30% |
| Problem loans | 0.00% (stronger) | 0.50% |
| Net charge-offs | 0.00% (stronger) | 0.94% |
| Return on assets | 0.33% | 0.47% (stronger) |
| Loans ÷ deposits | 43.9% (stronger) | 85.1% |
| Uninsured deposits | 16.9% | 9.5% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 29.1% |
Transact Bank, National Association has the higher TellerScore (86 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Transact Bank, National Association leads on 5 and Westerra Credit Union on 2. 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.