Side-by-side · Q2 2026 data
West Pointe Bank vs Golden Rule Community Credit Union
Metric by metric
| Measure | West Pointe Bank | Golden Rule Community Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 70 (stronger) | 65 |
| Earnings | 100 (stronger) | 51 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 86th | 44th |
| Total assets | $368.8M | $42.6M |
| Deposits / shares | $260.2M | $36.9M |
| Capital ratio | 19.41% (stronger) | 12.00% |
| Problem loans | 0.91% (stronger) | 1.05% |
| Net charge-offs | -1.90% (stronger) | -0.08% |
| Return on assets | 2.33% (stronger) | 0.76% |
| Loans ÷ deposits | 116.0% | 32.4% (stronger) |
| Uninsured deposits | 15.7% | 0.7% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.0% | — |
West Pointe Bank has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), West Pointe Bank leads on 5 and Golden Rule Community Credit Union on 2. 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.