Side-by-side · Q2 2026 data
Western Springs Federal Credit Union vs First Northern Credit Union
Credit union
Western Springs Federal Credit Union
Western Springs, Illinois · Under $100 million in assets
Metric by metric
| Measure | Western Springs Federal Credit Union | First Northern Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 85 (stronger) | 76 |
| Earnings | 95 | 97 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 96th | 74th |
| Total assets | $3.9M | $333.2M |
| Deposits / shares | $3.2M | $288.2M |
| Capital ratio | 18.19% (stronger) | 11.31% |
| Problem loans | 0.46% (stronger) | 0.71% |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 1.88% | 1.93% (stronger) |
| Loans ÷ deposits | 47.7% (stronger) | 80.9% |
| Uninsured deposits | 0.0% (stronger) | 4.0% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.9% |
Western Springs Federal Credit Union has the higher TellerScore (95 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Western Springs Federal Credit Union leads on 6 and First Northern Credit Union on 1. 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.