Side-by-side · Q2 2026 data
Western State Bank vs First Community Credit Union
Metric by metric
| Measure | Western State Bank | First Community Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 71 |
| Capital cushion | 82 (stronger) | 73 |
| Loan quality | 70 | 80 (stronger) |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 47 | 60 (stronger) |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 86th | 62nd |
| Total assets | $2.5B | $1.5B |
| Deposits / shares | $2.1B | $1.1B |
| Capital ratio | 13.19% (stronger) | 12.34% |
| Problem loans | 0.90% | 0.61% (stronger) |
| Net charge-offs | 0.28% | 0.05% (stronger) |
| Return on assets | 2.01% (stronger) | 0.85% |
| Loans ÷ deposits | 104.8% | 100.2% (stronger) |
| Uninsured deposits | 22.1% | 9.1% (stronger) |
| Offices | 10 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Western State Bank has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Western State Bank leads on 3 and First Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.