Side-by-side · Q2 2026 data
Bank of Ann Arbor vs University of Michigan Credit Union
Credit union
University of Michigan Credit Union
Ann Arbor, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Bank of Ann Arbor | University of Michigan Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 61 |
| Capital cushion | 82 (stronger) | 61 |
| Loan quality | 91 (stronger) | 73 |
| Earnings | 99 (stronger) | 36 |
| Funding & liquidity | 36 | 57 (stronger) |
| Problem-loan coverage | 96 (stronger) | 88 |
| Peer percentile | 93rd | 27th |
| Total assets | $3.5B | $1.5B |
| Deposits / shares | $2.8B | $1.1B |
| Capital ratio | 13.17% (stronger) | 11.08% |
| Problem loans | 0.27% (stronger) | 0.82% |
| Net charge-offs | 0.07% (stronger) | 0.62% |
| Return on assets | 1.98% (stronger) | 0.41% |
| Loans ÷ deposits | 92.6% (stronger) | 103.3% |
| Uninsured deposits | 44.0% | 10.6% (stronger) |
| Offices | 17 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 7.1% |
Bank of Ann Arbor has the higher TellerScore (82 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Bank of Ann Arbor leads on 6 and University of Michigan Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.