Side-by-side · Q2 2026 data
Washington Trust Bank vs Responders Emergency Services Credit Union
Credit union
Responders Emergency Services Credit Union
Spokane, Washington · Under $100 million in assets
Metric by metric
| Measure | Washington Trust Bank | Responders Emergency Services Credit Union |
|---|---|---|
| TellerScore | 60 | 87 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 76 | 100 (stronger) |
| Earnings | 67 (stronger) | 40 |
| Funding & liquidity | 30 | 91 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 29th | 83rd |
| Total assets | $10.5B | $56.2M |
| Deposits / shares | $8.8B | $46.3M |
| Capital ratio | 9.73% | 17.32% (stronger) |
| Problem loans | 0.73% | 0.01% (stronger) |
| Net charge-offs | 0.05% | -0.01% (stronger) |
| Return on assets | 1.19% (stronger) | 0.50% |
| Loans ÷ deposits | 82.9% | 69.3% (stronger) |
| Uninsured deposits | 57.3% | 7.1% (stronger) |
| Offices | 44 | 2 |
| CFPB complaints (3 yrs) | 19 | — |
| Complaints per $1B deposits | 2.2 | — |
| Mortgage denial rate (HMDA) | 22.5% | — |
Responders Emergency Services Credit Union has the higher TellerScore (87 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Washington Trust Bank leads on 1 and Responders Emergency Services 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.