Side-by-side · Q2 2026 data
Commercial Bank vs Health Advantage Federal Credit Union
Credit union
Health Advantage Federal Credit Union
Saginaw, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Commercial Bank | Health Advantage Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 82 (stronger) |
| Capital cushion | 59 | 84 (stronger) |
| Loan quality | 87 | 89 (stronger) |
| Earnings | 71 (stronger) | 56 |
| Funding & liquidity | 76 | 88 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 61st | 82nd |
| Total assets | $552.7M | $179.3M |
| Deposits / shares | $475.2M | $155.5M |
| Capital ratio | 10.89% | 13.40% (stronger) |
| Problem loans | 0.39% | 0.33% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.18% |
| Return on assets | 1.28% (stronger) | 0.91% |
| Loans ÷ deposits | 76.5% | 72.7% (stronger) |
| Uninsured deposits | 22.0% | 5.1% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.2% | 2.8% |
Health Advantage Federal Credit Union has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 2 and Health Advantage Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.