Side-by-side · Q2 2026 data
Bank Michigan vs South Central Credit Union
Metric by metric
| Measure | Bank Michigan | South Central Credit Union |
|---|---|---|
| TellerScore | 62 | 78 (stronger) |
| Capital cushion | 63 | 92 (stronger) |
| Loan quality | 66 | 81 (stronger) |
| Earnings | 47 (stronger) | 26 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 81 | 96 (stronger) |
| Peer percentile | 22nd | 59th |
| Total assets | $176.0M | $84.6M |
| Deposits / shares | $144.9M | $72.0M |
| Capital ratio | 11.25% | 14.20% (stronger) |
| Problem loans | 1.03% | 0.56% (stronger) |
| Net charge-offs | -0.38% (stronger) | 0.46% |
| Return on assets | 0.67% (stronger) | 0.16% |
| Loans ÷ deposits | 97.8% | 55.8% (stronger) |
| Uninsured deposits | 18.7% | 4.4% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Central Credit Union has the higher TellerScore (78 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Bank Michigan leads on 2 and South Central Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.