Side-by-side · Q2 2026 data
Western Commerce Bank vs Financial Security Credit Union
Credit union
Financial Security Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Western Commerce Bank | Financial Security Credit Union |
|---|---|---|
| TellerScore | 51 | 81 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 23 | 77 (stronger) |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 46 | 71 (stronger) |
| Problem-loan coverage | 74 | 94 (stronger) |
| Peer percentile | 8th | 68th |
| Total assets | $863.5M | $63.6M |
| Deposits / shares | $779.5M | $52.8M |
| Capital ratio | 8.82% | 16.62% (stronger) |
| Problem loans | 2.30% | 0.69% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 3.21% (stronger) | 0.96% |
| Loans ÷ deposits | 63.9% (stronger) | 88.9% |
| Uninsured deposits | 66.1% | 6.4% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Financial Security Credit Union has the higher TellerScore (81 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Western Commerce Bank leads on 2 and Financial Security Credit Union on 5. 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.