Side-by-side · Q2 2026 data
Dow Credit Union vs Michigan Schools and Government Credit Union
Credit union
Michigan Schools and Government Credit Union
Clinton Townshi, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Dow Credit Union | Michigan Schools and Government Credit Union |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 51 | 76 (stronger) |
| Loan quality | 90 (stronger) | 80 |
| Earnings | 50 | 79 (stronger) |
| Funding & liquidity | 100 (stronger) | 57 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 70th | 79th |
| Total assets | $2.6B | $4.4B |
| Deposits / shares | $2.3B | $3.7B |
| Capital ratio | 10.07% | 12.63% (stronger) |
| Problem loans | 0.29% (stronger) | 0.61% |
| Net charge-offs | 0.44% | 0.27% (stronger) |
| Return on assets | 0.76% | 1.47% (stronger) |
| Loans ÷ deposits | 52.4% (stronger) | 103.0% |
| Uninsured deposits | 8.1% (stronger) | 12.4% |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | — |
Michigan Schools and Government Credit Union has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Dow Credit Union leads on 3 and Michigan Schools and Government Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.