Side-by-side · Q2 2026 data
Baraga County Federal Credit Union vs Community Focus Federal Credit Union
Credit union
Community Focus Federal Credit Union
Brownstown, Michigan · Under $100 million in assets
Metric by metric
| Measure | Baraga County Federal Credit Union | Community Focus Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 67 |
| Capital cushion | 55 | 91 (stronger) |
| Loan quality | 84 (stronger) | 49 |
| Earnings | 69 (stronger) | 18 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 54th | 34th |
| Total assets | $63.1M | $68.0M |
| Deposits / shares | $57.3M | $59.9M |
| Capital ratio | 10.48% | 14.09% (stronger) |
| Problem loans | 0.49% (stronger) | 1.52% |
| Net charge-offs | 0.24% (stronger) | 0.53% |
| Return on assets | 1.22% (stronger) | -0.05% |
| Loans ÷ deposits | 35.5% (stronger) | 57.3% |
| Uninsured deposits | 3.8% | 2.5% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baraga County Federal Credit Union has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Baraga County Federal Credit Union leads on 5 and Community Focus Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.