Side-by-side · Q2 2026 data
Breakwater Federal Credit Union vs Lenco Credit Union
Credit union
Breakwater Federal Credit Union
Houghton, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Breakwater Federal Credit Union | Lenco Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 82 |
| Capital cushion | 87 (stronger) | 71 |
| Loan quality | 89 | 93 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 91 | 98 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 97th | 82nd |
| Total assets | $138.2M | $145.0M |
| Deposits / shares | $118.9M | $126.1M |
| Capital ratio | 13.68% (stronger) | 12.14% |
| Problem loans | 0.32% | 0.21% (stronger) |
| Net charge-offs | 0.12% | 0.06% (stronger) |
| Return on assets | 2.13% (stronger) | 1.09% |
| Loans ÷ deposits | 69.7% | 62.3% (stronger) |
| Uninsured deposits | 0.6% (stronger) | 5.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Breakwater Federal Credit Union has the higher TellerScore (92 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Breakwater Federal Credit Union leads on 4 and Lenco Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.