Side-by-side · Q2 2026 data
1st State Bank vs Lake Huron Credit Union
Metric by metric
| Measure | 1st State Bank | Lake Huron Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 73 | 98 (stronger) |
| Loan quality | 88 (stronger) | 58 |
| Earnings | 74 (stronger) | 57 |
| Funding & liquidity | 55 | 66 (stronger) |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 64th | 49th |
| Total assets | $490.1M | $81.5M |
| Deposits / shares | $428.8M | $66.9M |
| Capital ratio | 12.27% | 14.80% (stronger) |
| Problem loans | 0.35% (stronger) | 1.25% |
| Net charge-offs | 0.22% | 0.13% (stronger) |
| Return on assets | 1.35% (stronger) | 0.92% |
| Loans ÷ deposits | 74.2% (stronger) | 94.6% |
| Uninsured deposits | 43.4% | 5.3% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 56.5% |
1st State Bank has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), 1st State Bank leads on 4 and Lake Huron Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.