Wood & Huston Bank vs West Side Baptist Church
Comparing a Bank in Marshall, MO with a Credit Union in Saint Louis, MO using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Wood & Huston Bank ↗ Bank · Marshall, MO · Est. 1874 | West Side Baptist Church ↗ Credit Union · Saint Louis, MO · Est. 1974 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Marshall, MO | Saint Louis, MO |
| Total assets | $1.2B | $387,990 |
| Capital ratio | 10.6% | 14.3% |
| Return on assets | 2.0% | 5.2% |
| Deposits | $1.1B | — |
| Branches | 12 | 332 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 195 | #1 of 89 |
| Established | 1874 | 1974 |
Wood & Huston Bank
- Assets: $1.2B
- Deposits: $1.1B
- Capital ratio: 10.6%
- Return on assets: 2.0%
- CFPB complaints: 0
- State rank: #2 of 195
West Side Baptist Church
- Assets: $387,990
- Members: 332
- Capital ratio: 14.3%
- Return on assets: 5.2%
- CFPB complaints: 0
- State rank: #1 of 89
Are both institutions federally insured?
Yes. Wood & Huston Bank is FDIC-insured and West Side Baptist Church 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, Wood & Huston Bank or West Side Baptist Church?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Wood & Huston 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 Wood & Huston Bank safe?
Yes — Wood & Huston 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 West Side Baptist Church safe?
Yes — West Side Baptist Church 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 Wood & Huston Bank vs West Side Baptist Church?
Wood & Huston Bank has a capital ratio of 10.6%, placing it in the top 44% of $1B–10B peers. West Side Baptist Church's ratio is 14.3%, placing it in the top 49% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Wood & Huston Bank have compared to West Side Baptist Church?
The CFPB database shows 0 complaints against Wood & Huston Bank, and 0 complaints against West Side Baptist Church. 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 Wood & Huston Bank with other Banks in Missouri
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
