Side-by-side · Q2 2026 data
Western Springs Federal Credit Union vs Normal City Employees Federal Credit Union
Credit union
Western Springs Federal Credit Union
Western Springs, Illinois · Under $100 million in assets
Credit union
Normal City Employees Federal Credit Union
Normal, Illinois · Under $100 million in assets
Metric by metric
| Measure | Western Springs Federal Credit Union | Normal City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 95 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 96th | 62nd |
| Total assets | $3.9M | $4.5M |
| Deposits / shares | $3.2M | $4.0M |
| Capital ratio | 18.19% (stronger) | 11.82% |
| Problem loans | 0.46% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.22% (stronger) |
| Return on assets | 1.88% (stronger) | 0.72% |
| Loans ÷ deposits | 47.7% (stronger) | 70.7% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western Springs Federal Credit Union has the higher TellerScore (95 vs 79). On the 6 directional measures above (where higher or lower is clearly better), Western Springs Federal Credit Union leads on 4 and Normal City Employees Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.