Side-by-side · Q2 2026 data
Eastern Michigan Bank vs Advia Credit Union
Metric by metric
| Measure | Eastern Michigan Bank | Advia Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 64 |
| Capital cushion | 70 (stronger) | 47 |
| Loan quality | 79 (stronger) | 77 |
| Earnings | 77 (stronger) | 64 |
| Funding & liquidity | 84 (stronger) | 63 |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 75th | 36th |
| Total assets | $553.6M | $4.1B |
| Deposits / shares | $453.7M | $3.3B |
| Capital ratio | 11.99% (stronger) | 9.73% |
| Problem loans | 0.63% (stronger) | 0.70% |
| Net charge-offs | -0.07% (stronger) | 0.46% |
| Return on assets | 1.42% (stronger) | 1.10% |
| Loans ÷ deposits | 42.3% (stronger) | 97.2% |
| Uninsured deposits | 29.8% | 11.6% (stronger) |
| Offices | 10 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.0% | — |
Eastern Michigan Bank has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Eastern Michigan Bank leads on 6 and Advia Credit Union on 1. 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.
Where both have branches
- Marysville, MI
- Port Huron, MI