Side-by-side · Q2 2026 data
Commercial Bank vs Montcalm Public Employees Credit Union
Credit union
Montcalm Public Employees Credit Union
Edmore, Michigan · Under $100 million in assets
Metric by metric
| Measure | Commercial Bank | Montcalm Public Employees Credit Union |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 87 (stronger) | 60 |
| Earnings | 71 | 72 (stronger) |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 61st | 75th |
| Total assets | $552.7M | $26.9M |
| Deposits / shares | $475.2M | $22.3M |
| Capital ratio | 10.89% | 16.88% (stronger) |
| Problem loans | 0.39% (stronger) | 1.19% |
| Net charge-offs | 0.01% (stronger) | 0.78% |
| Return on assets | 1.28% | 1.30% (stronger) |
| Loans ÷ deposits | 76.5% | 31.5% (stronger) |
| Uninsured deposits | 22.0% | 9.4% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.2% | — |
Montcalm Public Employees Credit Union has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 2 and Montcalm Public Employees Credit Union on 5. 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.