Side-by-side · Q2 2026 data
Dowagiac Area Federal Credit Union vs Construction Federal Credit Union
Credit union
Dowagiac Area Federal Credit Union
Dowagiac, Michigan · Under $100 million in assets
Credit union
Construction Federal Credit Union
Bingham Farms, Michigan · Under $100 million in assets
Metric by metric
| Measure | Dowagiac Area Federal Credit Union | Construction Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 51 |
| Capital cushion | 61 | 86 (stronger) |
| Loan quality | 84 (stronger) | 0 |
| Earnings | 80 (stronger) | 40 |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 96 (stronger) | 44 |
| Peer percentile | 65th | 10th |
| Total assets | $26.0M | $26.4M |
| Deposits / shares | $23.1M | $22.7M |
| Capital ratio | 11.14% | 13.57% (stronger) |
| Problem loans | 0.49% (stronger) | 5.71% |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.49% (stronger) | 0.50% |
| Loans ÷ deposits | 52.8% (stronger) | 77.2% |
| Uninsured deposits | 5.1% (stronger) | 11.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Dowagiac Area Federal Credit Union has the higher TellerScore (80 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Dowagiac Area Federal Credit Union leads on 5 and Construction Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.