Side-by-side · Q2 2026 data
West Iowa Bank vs Employees Credit Union
Metric by metric
| Measure | West Iowa Bank | Employees Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 70 |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 70 | 84 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 82nd | 51st |
| Total assets | $222.1M | $203.4M |
| Deposits / shares | $183.0M | $164.1M |
| Capital ratio | 11.89% | 18.96% (stronger) |
| Problem loans | 0.01% (stronger) | 3.25% |
| Net charge-offs | -0.02% (stronger) | 0.25% |
| Return on assets | 1.25% | 1.61% (stronger) |
| Loans ÷ deposits | 70.8% | 53.5% (stronger) |
| Uninsured deposits | 23.5% | 11.4% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Iowa Bank has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), West Iowa Bank leads on 3 and Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.