Side-by-side · Q2 2026 data
Western Springs Federal Credit Union vs South Side Community Federal Credit Union
Credit union
Western Springs Federal Credit Union
Western Springs, Illinois · Under $100 million in assets
Credit union
South Side Community Federal Credit Union
Chicago, Illinois · Under $100 million in assets
Metric by metric
| Measure | Western Springs Federal Credit Union | South Side Community Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 85 (stronger) | 73 |
| Earnings | 95 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 96th | 47th |
| Total assets | $3.9M | $5.7M |
| Deposits / shares | $3.2M | $4.6M |
| Capital ratio | 18.19% | 18.54% (stronger) |
| Problem loans | 0.46% (stronger) | 0.82% |
| Net charge-offs | 0.00% (stronger) | 2.27% |
| Return on assets | 1.88% (stronger) | -2.79% |
| Loans ÷ deposits | 47.7% | 28.3% (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 73). On the 6 directional measures above (where higher or lower is clearly better), Western Springs Federal Credit Union leads on 4 and South Side Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.