Side-by-side · Q2 2026 data
Union State Bank vs Westby Co-Op Credit Union
Metric by metric
| Measure | Union State Bank | Westby Co-Op Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 77 |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 95 (stronger) | 52 |
| Earnings | 74 (stronger) | 69 |
| Funding & liquidity | 81 (stronger) | 76 |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 82nd | 82nd |
| Total assets | $117.6M | $1.0B |
| Deposits / shares | $97.4M | $842.2M |
| Capital ratio | 12.15% | 15.64% (stronger) |
| Problem loans | 0.14% (stronger) | 1.44% |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | 1.34% (stronger) | 1.23% |
| Loans ÷ deposits | 79.6% (stronger) | 83.8% |
| Uninsured deposits | 14.1% | 10.3% (stronger) |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | 4.0% |
Union State Bank has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 5 and Westby Co-Op 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.