Side-by-side · Q2 2026 data
Dowagiac Area Federal Credit Union vs Montcalm Public Employees Credit Union
Credit union
Dowagiac Area Federal Credit Union
Dowagiac, Michigan · Under $100 million in assets
Credit union
Montcalm Public Employees Credit Union
Edmore, Michigan · Under $100 million in assets
Metric by metric
| Measure | Dowagiac Area Federal Credit Union | Montcalm Public Employees Credit Union |
|---|---|---|
| TellerScore | 80 | 84 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 84 (stronger) | 60 |
| Earnings | 80 (stronger) | 72 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 65th | 75th |
| Total assets | $26.0M | $26.9M |
| Deposits / shares | $23.1M | $22.3M |
| Capital ratio | 11.14% | 16.88% (stronger) |
| Problem loans | 0.49% (stronger) | 1.19% |
| Net charge-offs | 0.10% (stronger) | 0.78% |
| Return on assets | 1.49% (stronger) | 1.30% |
| Loans ÷ deposits | 52.8% | 31.5% (stronger) |
| Uninsured deposits | 5.1% (stronger) | 9.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Montcalm Public Employees Credit Union has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Dowagiac Area Federal Credit Union leads on 4 and Montcalm Public Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.