Side-by-side · Q2 2026 data
Warsaw Federal Savings and Loan Association vs St. James Parish Credit Union
Bank
Warsaw Federal Savings and Loan Association
Cincinnati, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Warsaw Federal Savings and Loan Association | St. James Parish Credit Union |
|---|---|---|
| TellerScore | 53 | 90 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 57 | 100 (stronger) |
| Earnings | 17 | 72 (stronger) |
| Funding & liquidity | 40 | 68 (stronger) |
| Problem-loan coverage | 80 | 100 (stronger) |
| Peer percentile | 9th | 89th |
| Total assets | $108.5M | $5.9M |
| Deposits / shares | $71.9M | $4.4M |
| Capital ratio | 12.10% | 21.83% (stronger) |
| Problem loans | 1.30% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.66% |
| Return on assets | -0.08% | 1.29% (stronger) |
| Loans ÷ deposits | 124.0% | 92.4% (stronger) |
| Uninsured deposits | 23.8% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | — |
St. James Parish Credit Union has the higher TellerScore (90 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Warsaw Federal Savings and Loan Association leads on 1 and St. James Parish 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.