Side-by-side · Q2 2026 data
Commercial Bank vs Auto-Owners Associates Credit Union
Credit union
Auto-Owners Associates Credit Union
Lansing, Michigan · Under $100 million in assets
Metric by metric
| Measure | Commercial Bank | Auto-Owners Associates Credit Union |
|---|---|---|
| TellerScore | 75 | 96 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 87 | 92 (stronger) |
| Earnings | 71 | 89 (stronger) |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 61st | 97th |
| Total assets | $552.7M | $43.8M |
| Deposits / shares | $475.2M | $35.4M |
| Capital ratio | 10.89% | 18.62% (stronger) |
| Problem loans | 0.39% | 0.25% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.50% |
| Return on assets | 1.28% | 1.73% (stronger) |
| Loans ÷ deposits | 76.5% | 19.6% (stronger) |
| Uninsured deposits | 22.0% | 1.2% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.2% | — |
Auto-Owners Associates Credit Union has the higher TellerScore (96 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 1 and Auto-Owners Associates Credit Union on 6. 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.