Side-by-side · Q2 2026 data
Commercial Bank vs Michigan One Community Credit Union
Metric by metric
| Measure | Commercial Bank | Michigan One Community Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 68 |
| Capital cushion | 59 (stronger) | 52 |
| Loan quality | 87 (stronger) | 77 |
| Earnings | 71 (stronger) | 63 |
| Funding & liquidity | 76 | 77 (stronger) |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 61st | 45th |
| Total assets | $552.7M | $240.2M |
| Deposits / shares | $475.2M | $211.5M |
| Capital ratio | 10.89% (stronger) | 10.18% |
| Problem loans | 0.39% (stronger) | 0.68% |
| Net charge-offs | 0.01% (stronger) | 0.10% |
| Return on assets | 1.28% (stronger) | 1.07% |
| Loans ÷ deposits | 76.5% (stronger) | 83.5% |
| Uninsured deposits | 22.0% | 5.5% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.2% | 10.1% |
Commercial Bank has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 6 and Michigan One Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Alma, MI
- Greenville, MI