Side-by-side · Q2 2026 data
Winnsboro State Bank & Trust Company vs District 58 Federal Credit Union
Metric by metric
| Measure | Winnsboro State Bank & Trust Company | District 58 Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 80 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 69 | 84 (stronger) |
| Earnings | 79 (stronger) | 41 |
| Funding & liquidity | 60 | 74 (stronger) |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 37th | 65th |
| Total assets | $425.7M | $6.1M |
| Deposits / shares | $374.8M | $5.1M |
| Capital ratio | 10.85% | 16.18% (stronger) |
| Problem loans | 0.94% | 0.48% (stronger) |
| Net charge-offs | 0.18% | -0.08% (stronger) |
| Return on assets | 1.48% (stronger) | 0.53% |
| Loans ÷ deposits | 89.4% | 86.2% (stronger) |
| Uninsured deposits | 24.6% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.4% | — |
District 58 Federal Credit Union has the higher TellerScore (80 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Winnsboro State Bank & Trust Company leads on 1 and District 58 Federal Credit Union on 6. 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.
Where both have branches
- Gilbert, LA