Western Springs Federal Credit Union (NCUA charter #13481) is based in Western Springs, Illinois. Its Q2 2026 call report shows $3.9M in total assets and $3.2M in member shares and deposits and 1 office.
Western Springs Federal Credit Union has a TellerScore of 95 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 11th. Capital cushion contributes the most (100/100, 18.19%); loan quality contributes the least (85/100, 0.46%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 26 points (69 → 95), mostly because the loan quality component improved by 59 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 72 |
| Q4 2024 | 80 |
| Q1 2025 | 80 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 88 |
| Q1 2026 | 94 |
| Q2 2026 | 95 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 17.19% |
| Q3 2024 | 17.85% |
| Q4 2024 | 17.45% |
| Q1 2025 | 17.37% |
| Q2 2025 | 17.47% |
| Q3 2025 | 17.21% |
| Q4 2025 | 17.37% |
| Q1 2026 | 17.81% |
| Q2 2026 | 18.19% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 4.37% |
| Q3 2024 | 3.76% |
| Q4 2024 | 1.88% |
| Q1 2025 | 0.00% |
| Q2 2025 | 2.21% |
| Q3 2025 | 2.25% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.46% |
| Q2 2026 | 0.46% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.73% |
| Q3 2024 | 1.89% |
| Q4 2024 | 1.58% |
| Q1 2025 | -1.11% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.89% |
| Q1 2026 | 1.80% |
| Q2 2026 | 1.88% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 95 | $3.9M | 18.19% | 0.46% | 1.88% | 47.7% |
| Q1 2026 | 94 | $3.9M | 17.81% | 0.46% | 1.80% | 45.2% |
| Q4 2025 | 88 | $3.9M | 17.37% | 0.35% | 0.89% | 46.3% |
| Q3 2025 | 69 | $3.8M | 17.21% | 2.25% | 0.62% | 49.6% |
| Q2 2025 | 69 | $3.7M | 17.47% | 2.21% | 0.58% | 49.0% |
| Q1 2025 | 80 | $3.6M | 17.37% | 0.00% | -1.11% | 54.8% |
| Q4 2024 | 80 | $3.7M | 17.45% | 1.88% | 1.58% | 54.6% |
| Q3 2024 | 72 | $3.6M | 17.85% | 3.76% | 1.89% | 58.7% |
| Q2 2024 | 71 | $3.6M | 17.19% | 4.37% | 1.73% | 55.9% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Trinity U.C.C. Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $4.2M | 16.5% | 0.00% | vs |
| Chicago Avenue Garage Federal Credit UnionCredit union Chicago, IL | 59 out of 100, Moderate | $4.4M | 56.9% | 18.59% | vs |
| Springfield Firefighters Credit UnionCredit union Springfield, IL | 100 out of 100, Very strong | $3.4M | 16.6% | 0.00% | vs |
| Normal City Employees Federal Credit UnionCredit union Normal, IL | 79 out of 100, Strong | $4.5M | 11.8% | 0.00% | vs |
| Hershey Robinson Employees Credit UnionCredit union Robinson, IL | 86 out of 100, Very strong | $3.3M | 25.0% | 1.37% | vs |
| Peoria Fire Fighters Credit UnionCredit union Peoria, IL | 87 out of 100, Very strong | $4.6M | 28.2% | 0.00% | vs |
Deposit insurance
Is my money safe at Western Springs Federal Credit Union?
Yes. Western Springs Federal Credit Union is a federally insured credit union (NCUA charter #13481). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 18.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Western Springs Federal Credit Union lists 1 office in 1 city. Most locations:
- Western Springs, IL (1)
Identity & history
Profile
- Legal name
- Western Springs Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 13481
- RSSD ID
- 726588
- Primary regulator
- NCUA
- Established
- 1960
- Headquarters
- 810 Hillgrove Ave., Western Springs, IL 60558
- Employees
- 2
Quick answers
Western Springs Federal Credit Union: common questions
Is Western Springs Federal Credit Union NCUA insured?
Yes. Western Springs Federal Credit Union is a federally insured credit union (NCUA charter #13481). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Western Springs Federal Credit Union's TellerScore?
95 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Western Springs Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Western Springs
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| Aurora Policemen Credit UnionCredit union Aurora, IL | 95 out of 100, Very strong | $26.3M | 15.3% | 0.00% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |