Side-by-side · Q2 2026 data
Western State Bank vs United Savings Credit Union
Metric by metric
| Measure | Western State Bank | United Savings Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 50 |
| Capital cushion | 82 (stronger) | 77 |
| Loan quality | 70 (stronger) | 4 |
| Earnings | 100 (stronger) | 36 |
| Funding & liquidity | 47 | 78 (stronger) |
| Problem-loan coverage | 89 (stronger) | 68 |
| Peer percentile | 86th | 6th |
| Total assets | $2.5B | $125.2M |
| Deposits / shares | $2.1B | $108.6M |
| Capital ratio | 13.19% (stronger) | 12.70% |
| Problem loans | 0.90% (stronger) | 2.88% |
| Net charge-offs | 0.28% (stronger) | 0.35% |
| Return on assets | 2.01% (stronger) | 0.40% |
| Loans ÷ deposits | 104.8% | 82.4% (stronger) |
| Uninsured deposits | 22.1% | 5.3% (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 50). On the 7 directional measures above (where higher or lower is clearly better), Western State Bank leads on 5 and United Savings Credit Union on 2. 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.