Side-by-side · Q2 2026 data
Central Savings Bank vs Straits Area Federal Credit Union
Credit union
Straits Area Federal Credit Union
Cheboygan, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Central Savings Bank | Straits Area Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 59 |
| Capital cushion | 45 | 67 (stronger) |
| Loan quality | 95 (stronger) | 8 |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 80 |
| Peer percentile | 57th | 19th |
| Total assets | $516.8M | $132.4M |
| Deposits / shares | $447.4M | $115.6M |
| Capital ratio | 9.54% | 11.74% (stronger) |
| Problem loans | 0.16% (stronger) | 2.77% |
| Net charge-offs | 0.00% (stronger) | 0.33% |
| Return on assets | 2.04% (stronger) | 1.27% |
| Loans ÷ deposits | 76.8% | 46.8% (stronger) |
| Uninsured deposits | 45.6% | 2.8% (stronger) |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Savings Bank has the higher TellerScore (74 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Central Savings Bank leads on 4 and Straits Area Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.