Side-by-side · Q2 2026 data
Western State Bank vs Pinal County Federal Credit Union
Credit union
Pinal County Federal Credit Union
Casa Grande, Arizona · $100 million – $1 billion
Metric by metric
| Measure | Western State Bank | Pinal County Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 82 (stronger) | 49 |
| Loan quality | 70 | 82 (stronger) |
| Earnings | 100 (stronger) | 46 |
| Funding & liquidity | 47 | 95 (stronger) |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 86th | 45th |
| Total assets | $2.5B | $338.8M |
| Deposits / shares | $2.1B | $259.8M |
| Capital ratio | 13.19% (stronger) | 9.86% |
| Problem loans | 0.90% | 0.53% (stronger) |
| Net charge-offs | 0.28% (stronger) | 0.68% |
| Return on assets | 2.01% (stronger) | 0.66% |
| Loans ÷ deposits | 104.8% | 65.2% (stronger) |
| Uninsured deposits | 22.1% | 5.5% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Western State Bank has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Western State Bank leads on 4 and Pinal County Federal 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.