Side-by-side · Q2 2026 data
Construction Federal Credit Union vs The Local Credit Union
Credit union
Construction Federal Credit Union
Bingham Farms, Michigan · Under $100 million in assets
Metric by metric
| Measure | Construction Federal Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 51 | 92 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 40 | 74 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 44 | 99 (stronger) |
| Peer percentile | 10th | 97th |
| Total assets | $26.4M | $106.6M |
| Deposits / shares | $22.7M | $89.9M |
| Capital ratio | 13.57% | 16.07% (stronger) |
| Problem loans | 5.71% | 0.26% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 0.50% | 1.35% (stronger) |
| Loans ÷ deposits | 77.2% | 46.7% (stronger) |
| Uninsured deposits | 11.5% | 7.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Local Credit Union has the higher TellerScore (92 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Construction Federal Credit Union leads on 1 and The Local Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.