Side-by-side · Q2 2026 data
Western Springs Federal Credit Union vs Services 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 | Services Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 85 (stronger) | 23 |
| Earnings | 95 | 97 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 96th | 65th |
| Total assets | $3.9M | $407K |
| Deposits / shares | $3.2M | $113K |
| Capital ratio | 18.19% | 69.22% (stronger) |
| Problem loans | 0.46% (stronger) | 2.32% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.88% | 1.93% (stronger) |
| Loans ÷ deposits | 47.7% | 23.6% (stronger) |
| 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 80). On the 5 directional measures above (where higher or lower is clearly better), Western Springs Federal Credit Union leads on 2 and Services Credit Union on 3. 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.