Comenity Bank vs Wilmington Savings Fund Society, Fsb
Comparing a Bank in Wilmington, DE with a Bank in Wilmington, DE using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Comenity Bank ↗ Bank · Wilmington, DE · Est. 1989 | Wilmington Savings Fund Society, Fsb ↗ Bank · Wilmington, DE · Est. 1832 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Wilmington, DE | Wilmington, DE |
| Total assets | $7.8B | $22.0B |
| Capital ratio | 13.6% | 12.1% |
| Return on assets | 5.2% | 1.7% |
| Deposits | $4.0B | $18.8B |
| Branches | 1 | 95 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 16 | #1 of 16 |
| Established | 1989 | 1832 |
Comenity Bank
- Assets: $7.8B
- Deposits: $4.0B
- Capital ratio: 13.6%
- Return on assets: 5.2%
- CFPB complaints: 0
- State rank: #4 of 16
Wilmington Savings Fund Society, Fsb
- Assets: $22.0B
- Deposits: $18.8B
- Capital ratio: 12.1%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #1 of 16
Are both institutions federally insured?
Yes. Comenity Bank is FDIC-insured and Wilmington Savings Fund Society, Fsb is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Comenity Bank or Wilmington Savings Fund Society, Fsb?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Comenity Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Comenity Bank safe?
Yes — Comenity Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Wilmington Savings Fund Society, Fsb safe?
Yes — Wilmington Savings Fund Society, Fsb is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Comenity Bank vs Wilmington Savings Fund Society, Fsb?
Comenity Bank has a capital ratio of 13.6%, placing it in the top 12% of $1B–10B peers. Wilmington Savings Fund Society, Fsb's ratio is 12.1%, placing it in the top 38% of $10B–100B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Comenity Bank have compared to Wilmington Savings Fund Society, Fsb?
The CFPB database shows 0 complaints against Comenity Bank, and 0 complaints against Wilmington Savings Fund Society, Fsb. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Comenity Bank with other Banks in Delaware
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
