Side-by-side · Q2 2026 data
Capitol National Bank vs Auto-Owners Associates Credit Union
Credit union
Auto-Owners Associates Credit Union
Lansing, Michigan · Under $100 million in assets
Metric by metric
| Measure | Capitol National Bank | Auto-Owners Associates Credit Union |
|---|---|---|
| TellerScore | 75 | 96 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 50 | 92 (stronger) |
| Earnings | 92 (stronger) | 89 |
| Funding & liquidity | 38 | 100 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 61st | 97th |
| Total assets | $209.3M | $43.8M |
| Deposits / shares | $162.1M | $35.4M |
| Capital ratio | 16.74% | 18.62% (stronger) |
| Problem loans | 1.49% | 0.25% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.50% |
| Return on assets | 1.79% (stronger) | 1.73% |
| Loans ÷ deposits | 102.7% | 19.6% (stronger) |
| Uninsured deposits | 32.8% | 1.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Auto-Owners Associates Credit Union has the higher TellerScore (96 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Capitol National Bank leads on 2 and Auto-Owners Associates Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.