Side-by-side · Q2 2026 data
ChoiceOne Bank vs Tri-Cities Credit Union
Metric by metric
| Measure | ChoiceOne Bank | Tri-Cities Credit Union |
|---|---|---|
| TellerScore | 61 | 86 (stronger) |
| Capital cushion | 43 | 89 (stronger) |
| Loan quality | 67 | 98 (stronger) |
| Earnings | 69 (stronger) | 58 |
| Funding & liquidity | 56 | 89 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 24th | 80th |
| Total assets | $4.5B | $51.3M |
| Deposits / shares | $3.6B | $43.7M |
| Capital ratio | 9.30% | 13.92% (stronger) |
| Problem loans | 1.00% | 0.05% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.13% |
| Return on assets | 1.24% (stronger) | 0.96% |
| Loans ÷ deposits | 84.3% | 71.4% (stronger) |
| Uninsured deposits | 33.0% | 5.5% (stronger) |
| Offices | 48 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.0% | — |
Tri-Cities Credit Union has the higher TellerScore (86 vs 61). On the 7 directional measures above (where higher or lower is clearly better), ChoiceOne Bank leads on 2 and Tri-Cities Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.