Side-by-side · Q2 2026 data
Western National Bank vs Superior Municipal Employees Credit Union
Credit union
Superior Municipal Employees Credit Union
Superior, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Western National Bank | Superior Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 55 | 79 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 25 | 26 (stronger) |
| Funding & liquidity | 60 (stronger) | 57 |
| Problem-loan coverage | 52 | 100 (stronger) |
| Peer percentile | 11th | 62nd |
| Total assets | $135.8M | $3.0M |
| Deposits / shares | $108.8M | $2.4M |
| Capital ratio | 8.52% | 16.50% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.04% | -0.01% (stronger) |
| Return on assets | 0.14% | 0.15% (stronger) |
| Loans ÷ deposits | 85.4% (stronger) | 102.8% |
| Uninsured deposits | 28.5% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Superior Municipal Employees Credit Union has the higher TellerScore (79 vs 55). On the 6 directional measures above (where higher or lower is clearly better), Western National Bank leads on 1 and Superior Municipal Employees 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.