Side-by-side · Q2 2026 data
Breakwater Federal Credit Union vs Sunrise Family Credit Union
Credit union
Breakwater Federal Credit Union
Houghton, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Breakwater Federal Credit Union | Sunrise Family Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 68 |
| Capital cushion | 87 (stronger) | 42 |
| Loan quality | 89 | 98 (stronger) |
| Earnings | 100 (stronger) | 31 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 97th | 45th |
| Total assets | $138.2M | $133.5M |
| Deposits / shares | $118.9M | $121.3M |
| Capital ratio | 13.68% (stronger) | 9.21% |
| Problem loans | 0.32% | 0.07% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.17% |
| Return on assets | 2.13% (stronger) | 0.26% |
| Loans ÷ deposits | 69.7% | 43.7% (stronger) |
| Uninsured deposits | 0.6% (stronger) | 3.5% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.2% |
Breakwater Federal Credit Union has the higher TellerScore (92 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Breakwater Federal Credit Union leads on 5 and Sunrise Family Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.