Side-by-side · Q2 2026 data
Citizens Bank and Trust vs Lake Michigan Credit Union
Metric by metric
| Measure | Citizens Bank and Trust | Lake Michigan Credit Union |
|---|---|---|
| TellerScore | 67 | 73 (stronger) |
| Capital cushion | 30 | 63 (stronger) |
| Loan quality | 88 | 88 |
| Earnings | 77 (stronger) | 67 |
| Funding & liquidity | 79 (stronger) | 63 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 44th | 71st |
| Total assets | $1.5B | $17.3B |
| Deposits / shares | $1.4B | $14.7B |
| Capital ratio | 8.04% | 11.27% (stronger) |
| Problem loans | 0.35% | 0.35% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.16% |
| Return on assets | 1.43% (stronger) | 1.18% |
| Loans ÷ deposits | 62.6% (stronger) | 92.8% |
| Uninsured deposits | 31.5% | 18.5% (stronger) |
| Offices | 16 | 38 |
| CFPB complaints (3 yrs) | — | 156 |
| Complaints per $1B deposits | — | 10.6 |
| Mortgage denial rate (HMDA) | 14.7% | 7.3% |
Lake Michigan Credit Union has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust leads on 3 and Lake Michigan Credit Union on 4. 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.