Side-by-side · Q2 2026 data
DFCU Financial Credit Union vs Auto-Owners Associates Credit Union
Credit union
Auto-Owners Associates Credit Union
Lansing, Michigan · Under $100 million in assets
Metric by metric
| Measure | DFCU Financial Credit Union | Auto-Owners Associates Credit Union |
|---|---|---|
| TellerScore | 82 | 96 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 79 | 92 (stronger) |
| Earnings | 81 | 89 (stronger) |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 91st | 97th |
| Total assets | $8.0B | $43.8M |
| Deposits / shares | $7.2B | $35.4M |
| Capital ratio | 12.63% | 18.62% (stronger) |
| Problem loans | 0.63% | 0.25% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.50% |
| Return on assets | 1.52% | 1.73% (stronger) |
| Loans ÷ deposits | 43.0% | 19.6% (stronger) |
| Uninsured deposits | 21.0% | 1.2% (stronger) |
| Offices | 17 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Auto-Owners Associates Credit Union has the higher TellerScore (96 vs 82). On the 7 directional measures above (where higher or lower is clearly better), DFCU Financial Credit Union leads on 1 and Auto-Owners Associates Credit Union on 6. 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.