Side-by-side · Q2 2026 data
Construction Federal Credit Union vs Michigan Coastal Credit Union
Credit union
Construction Federal Credit Union
Bingham Farms, Michigan · Under $100 million in assets
Metric by metric
| Measure | Construction Federal Credit Union | Michigan Coastal Credit Union |
|---|---|---|
| TellerScore | 51 (stronger) | 33 |
| Capital cushion | 86 (stronger) | 37 |
| Loan quality | 0 | 0 |
| Earnings | 40 | 51 (stronger) |
| Funding & liquidity | 83 (stronger) | 70 |
| Problem-loan coverage | 44 (stronger) | 12 |
| Peer percentile | 10th | 2nd |
| Total assets | $26.4M | $25.7M |
| Deposits / shares | $22.7M | $23.4M |
| Capital ratio | 13.57% (stronger) | 8.66% |
| Problem loans | 5.71% | 4.04% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.76% |
| Return on assets | 0.50% | 0.77% (stronger) |
| Loans ÷ deposits | 77.2% (stronger) | 89.8% |
| Uninsured deposits | 11.5% | 1.4% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Construction Federal Credit Union has the higher TellerScore (51 vs 33). On the 7 directional measures above (where higher or lower is clearly better), Construction Federal Credit Union leads on 4 and Michigan Coastal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.