Side-by-side · Q2 2026 data
Commercial Bank vs Community First Federal Credit Union
Credit union
Community First Federal Credit Union
Lakeview, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Commercial Bank | Community First Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 45 |
| Capital cushion | 59 (stronger) | 34 |
| Loan quality | 87 (stronger) | 33 |
| Earnings | 71 (stronger) | 51 |
| Funding & liquidity | 76 (stronger) | 67 |
| Problem-loan coverage | 95 (stronger) | 60 |
| Peer percentile | 61st | 3rd |
| Total assets | $552.7M | $148.8M |
| Deposits / shares | $475.2M | $135.2M |
| Capital ratio | 10.89% (stronger) | 8.43% |
| Problem loans | 0.39% (stronger) | 2.02% |
| Net charge-offs | 0.01% (stronger) | 0.57% |
| Return on assets | 1.28% (stronger) | 0.77% |
| Loans ÷ deposits | 76.5% (stronger) | 92.8% |
| Uninsured deposits | 22.0% | 5.3% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.2% | 12.5% |
Commercial Bank has the higher TellerScore (75 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 6 and Community First Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.