Side-by-side · Q2 2026 data
West Central Bank vs Springfield City Employees Credit Union
Credit union
Springfield City Employees Credit Union
Springfield, Illinois · Under $100 million in assets
Metric by metric
| Measure | West Central Bank | Springfield City Employees Credit Union |
|---|---|---|
| TellerScore | 60 | 85 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 30 | 89 (stronger) |
| Earnings | 71 (stronger) | 52 |
| Funding & liquidity | 70 | 85 (stronger) |
| Problem-loan coverage | 70 | 98 (stronger) |
| Peer percentile | 19th | 77th |
| Total assets | $232.2M | $12.8M |
| Deposits / shares | $207.1M | $10.6M |
| Capital ratio | 11.95% | 17.15% (stronger) |
| Problem loans | 2.10% | 0.33% (stronger) |
| Net charge-offs | 1.43% | -0.02% (stronger) |
| Return on assets | 1.28% (stronger) | 0.79% |
| Loans ÷ deposits | 83.1% | 75.3% (stronger) |
| Uninsured deposits | 21.4% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
Springfield City Employees Credit Union has the higher TellerScore (85 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Central Bank leads on 1 and Springfield City Employees 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.