Side-by-side · Q2 2026 data
Wave Federal Credit Union vs Westerly Community Credit Union
Credit union
Westerly Community Credit Union
Wakefield, Rhode Island · $100 million – $1 billion
Metric by metric
| Measure | Wave Federal Credit Union | Westerly Community Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 66 |
| Capital cushion | 73 (stronger) | 44 |
| Loan quality | 69 | 93 (stronger) |
| Earnings | 39 | 50 (stronger) |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 54th | 37th |
| Total assets | $156.8M | $519.9M |
| Deposits / shares | $136.8M | $451.3M |
| Capital ratio | 12.30% (stronger) | 9.44% |
| Problem loans | 0.93% | 0.21% (stronger) |
| Net charge-offs | 0.08% | 0.08% (stronger) |
| Return on assets | 0.47% | 0.75% (stronger) |
| Loans ÷ deposits | 58.4% (stronger) | 93.9% |
| Uninsured deposits | 5.3% (stronger) | 7.4% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.8% | — |
Wave Federal Credit Union has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Wave Federal Credit Union leads on 4 and Westerly Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.