Side-by-side · Q2 2026 data
Western State Bank vs Postal Family Federal Credit Union
Credit union
Postal Family Federal Credit Union
Fargo, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Western State Bank | Postal Family Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 74 |
| Capital cushion | 82 (stronger) | 55 |
| Loan quality | 70 | 94 (stronger) |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 86th | 49th |
| Total assets | $2.5B | $30.2M |
| Deposits / shares | $2.1B | $27.1M |
| Capital ratio | 13.19% (stronger) | 10.52% |
| Problem loans | 0.90% | 0.19% (stronger) |
| Net charge-offs | 0.28% (stronger) | 0.42% |
| Return on assets | 2.01% (stronger) | 0.69% |
| Loans ÷ deposits | 104.8% | 31.6% (stronger) |
| Uninsured deposits | 22.1% | 3.0% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Western State Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Western State Bank leads on 4 and Postal Family 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.