Side-by-side · Q2 2026 data
United Trust 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 | United Trust Bank | Western Springs Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 95 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 86 (stronger) | 85 |
| Earnings | 66 | 95 (stronger) |
| Funding & liquidity | 42 | 100 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 29th | 96th |
| Total assets | $178.2M | $3.9M |
| Deposits / shares | $126.1M | $3.2M |
| Capital ratio | 10.03% | 18.19% (stronger) |
| Problem loans | 0.43% (stronger) | 0.46% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.15% | 1.88% (stronger) |
| Loans ÷ deposits | 115.7% | 47.7% (stronger) |
| Uninsured deposits | 22.0% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western Springs Federal Credit Union has the higher TellerScore (95 vs 65). On the 7 directional measures above (where higher or lower is clearly better), United Trust Bank leads on 1 and Western Springs Federal Credit Union on 6. 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.