Side-by-side · Q2 2026 data
Advia Credit Union vs Michigan Schools and Government Credit Union
Credit union
Michigan Schools and Government Credit Union
Clinton Townshi, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Advia Credit Union | Michigan Schools and Government Credit Union |
|---|---|---|
| TellerScore | 64 | 76 (stronger) |
| Capital cushion | 47 | 76 (stronger) |
| Loan quality | 77 | 80 (stronger) |
| Earnings | 64 | 79 (stronger) |
| Funding & liquidity | 63 (stronger) | 57 |
| Problem-loan coverage | 88 | 91 (stronger) |
| Peer percentile | 36th | 79th |
| Total assets | $4.1B | $4.4B |
| Deposits / shares | $3.3B | $3.7B |
| Capital ratio | 9.73% | 12.63% (stronger) |
| Problem loans | 0.70% | 0.61% (stronger) |
| Net charge-offs | 0.46% | 0.27% (stronger) |
| Return on assets | 1.10% | 1.47% (stronger) |
| Loans ÷ deposits | 97.2% (stronger) | 103.0% |
| Uninsured deposits | 11.6% (stronger) | 12.4% |
| Offices | 13 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Michigan Schools and Government Credit Union has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Advia Credit Union leads on 2 and Michigan Schools and Government Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.