Side-by-side · Q2 2026 data
WestStar Bank vs Raiz Federal Credit Union
Metric by metric
| Measure | WestStar Bank | Raiz Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 62 |
| Capital cushion | 73 (stronger) | 52 |
| Loan quality | 100 (stronger) | 68 |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 23 | 59 (stronger) |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 90th | 30th |
| Total assets | $3.3B | $1.1B |
| Deposits / shares | $2.8B | $850.4M |
| Capital ratio | 12.27% (stronger) | 10.21% |
| Problem loans | 0.00% (stronger) | 0.95% |
| Net charge-offs | -0.01% (stronger) | 1.12% |
| Return on assets | 2.29% (stronger) | 1.05% |
| Loans ÷ deposits | 87.7% (stronger) | 101.0% |
| Uninsured deposits | 61.0% | 8.5% (stronger) |
| Offices | 14 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 27.2% |
WestStar Bank has the higher TellerScore (80 vs 62). On the 7 directional measures above (where higher or lower is clearly better), WestStar Bank leads on 6 and Raiz Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.