Side-by-side · Q2 2026 data
Central Savings Bank vs U.P. State Credit Union
Metric by metric
| Measure | Central Savings Bank | U.P. State Credit Union |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 45 | 82 (stronger) |
| Loan quality | 95 (stronger) | 63 |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 49 | 84 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 57th | 76th |
| Total assets | $516.8M | $210.3M |
| Deposits / shares | $447.4M | $181.5M |
| Capital ratio | 9.54% | 13.17% (stronger) |
| Problem loans | 0.16% (stronger) | 1.10% |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 2.04% (stronger) | 1.66% |
| Loans ÷ deposits | 76.8% | 76.2% (stronger) |
| Uninsured deposits | 45.6% | 0.6% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U.P. State Credit Union has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central Savings Bank leads on 3 and U.P. State Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Sault Sainte Marie, MI
- Cedarville, MI
- Kincheloe, MI