Western Springs vs Trinity U.C.C.
Comparing a Credit Union in Western Springs, IL with a Credit Union in Chicago, IL using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Western Springs ↗ Credit Union · Western Springs, IL · Est. 1960 | Trinity U.C.C. ↗ Credit Union · Chicago, IL · Est. 1978 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Western Springs, IL | Chicago, IL |
| Total assets | $3.9M | $4.1M |
| Net worth ratio | 17.8% | 16.4% |
| Return on assets | 1.8% | 1.1% |
| Shares & deposits | — | — |
| Members | 474 | 669 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 188 | #5 of 188 |
| Established | 1960 | 1978 |
Western Springs
- Assets: $3.9M
- Members: 474
- Capital ratio: 17.8%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #1 of 188
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
Are both institutions federally insured?
Yes. Western Springs is NCUA-insured and Trinity U.C.C. 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, Western Springs or Trinity U.C.C.?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Western Springs 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 Western Springs safe?
Yes — Western Springs 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of Western Springs vs Trinity U.C.C.?
Western Springs has a net worth ratio of 17.8%, placing it in the top 30% of <$100M peers. Trinity U.C.C.'s ratio is 16.4%, placing it in the top 37% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Western Springs have compared to Trinity U.C.C.?
The CFPB database shows 0 complaints against Western Springs, and 0 complaints against Trinity U.C.C.. 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 Western Springs 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.
