Side-by-side · Q2 2026 data
Washington State Bank vs Members Community Credit Union
Metric by metric
| Measure | Washington State Bank | Members Community Credit Union |
|---|---|---|
| TellerScore | 78 | 82 (stronger) |
| Capital cushion | 75 | 75 |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 76 (stronger) | 68 |
| Funding & liquidity | 66 | 86 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 72nd | 70th |
| Total assets | $601.1M | $99.2M |
| Deposits / shares | $510.5M | $83.0M |
| Capital ratio | 12.48% | 12.48% (stronger) |
| Problem loans | 0.49% | 0.25% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.23% |
| Return on assets | 1.39% (stronger) | 1.21% |
| Loans ÷ deposits | 70.6% (stronger) | 73.8% |
| Uninsured deposits | 36.8% | 3.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Members Community Credit Union has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Washington State Bank leads on 3 and Members Community Credit Union on 4. 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.