Trinity U.C.C. vs Western Springs
Comparing a Credit Union in Chicago, IL with a Credit Union in Western Springs, IL using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Trinity U.C.C. ↗ Credit Union · Chicago, IL · Est. 1978 | Western Springs ↗ Credit Union · Western Springs, IL · Est. 1960 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Chicago, IL | Western Springs, IL |
| Total assets | $4.1M | $3.9M |
| Net worth ratio | 16.4% | 17.8% |
| Return on assets | 1.1% | 1.8% |
| Shares & deposits | — | — |
| Members | 669 | 474 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 188 | #1 of 188 |
| Established | 1978 | 1960 |
Trinity U.C.C.
- Assets: $4.1M
- Members: 669
- Capital ratio: 16.4%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #5 of 188
Western Springs
- Assets: $3.9M
- Members: 474
- Capital ratio: 17.8%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #1 of 188
Are both institutions federally insured?
Yes. Trinity U.C.C. is NCUA-insured and Western Springs is NCUA-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, Trinity U.C.C. or Western Springs?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Trinity U.C.C. 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 Trinity U.C.C. safe?
Yes — Trinity U.C.C. is NCUA-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 Western Springs safe?
Yes — Western Springs is NCUA-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 Trinity U.C.C. vs Western Springs?
Trinity U.C.C. has a net worth ratio of 16.4%, placing it in the top 37% of <$100M peers. Western Springs's ratio is 17.8%, placing it in the top 30% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Trinity U.C.C. have compared to Western Springs?
The CFPB database shows 0 complaints against Trinity U.C.C., and 0 complaints against Western Springs. 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 Trinity U.C.C. with other Credit Unions in Illinois
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
