Side-by-side · Q2 2026 data
Chief Financial Federal Credit Union vs Michigan One Community Credit Union
Credit union
Chief Financial Federal Credit Union
Rochester Hills, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Chief Financial Federal Credit Union | Michigan One Community Credit Union |
|---|---|---|
| TellerScore | 65 | 68 (stronger) |
| Capital cushion | 49 | 52 (stronger) |
| Loan quality | 81 (stronger) | 77 |
| Earnings | 45 | 63 (stronger) |
| Funding & liquidity | 77 | 77 |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 34th | 45th |
| Total assets | $249.7M | $240.2M |
| Deposits / shares | $223.1M | $211.5M |
| Capital ratio | 9.89% | 10.18% (stronger) |
| Problem loans | 0.57% (stronger) | 0.68% |
| Net charge-offs | 0.42% | 0.10% (stronger) |
| Return on assets | 0.64% | 1.07% (stronger) |
| Loans ÷ deposits | 82.9% (stronger) | 83.5% |
| Uninsured deposits | 9.8% | 5.5% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.1% |
Michigan One Community Credit Union has the higher TellerScore (68 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Chief Financial Federal Credit Union leads on 2 and Michigan One Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.