Side-by-side · Q2 2026 data
Community First Federal Credit Union vs Montcalm Public Employees Credit Union
Credit union
Community First Federal Credit Union
Lakeview, Michigan · $100 million – $1 billion
Credit union
Montcalm Public Employees Credit Union
Edmore, Michigan · Under $100 million in assets
Metric by metric
| Measure | Community First Federal Credit Union | Montcalm Public Employees Credit Union |
|---|---|---|
| TellerScore | 45 | 84 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 33 | 60 (stronger) |
| Earnings | 51 | 72 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 60 | 96 (stronger) |
| Peer percentile | 3rd | 75th |
| Total assets | $148.8M | $26.9M |
| Deposits / shares | $135.2M | $22.3M |
| Capital ratio | 8.43% | 16.88% (stronger) |
| Problem loans | 2.02% | 1.19% (stronger) |
| Net charge-offs | 0.57% (stronger) | 0.78% |
| Return on assets | 0.77% | 1.30% (stronger) |
| Loans ÷ deposits | 92.8% | 31.5% (stronger) |
| Uninsured deposits | 5.3% (stronger) | 9.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Montcalm Public Employees Credit Union has the higher TellerScore (84 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Community First Federal Credit Union 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.