Side-by-side · Q2 2026 data
Eastern Michigan Bank vs Flagship Community Federal Credit Union
Credit union
Flagship Community Federal Credit Union
Port Huron, Michigan · Under $100 million in assets
Metric by metric
| Measure | Eastern Michigan Bank | Flagship Community Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 70 (stronger) | 62 |
| Loan quality | 79 | 90 (stronger) |
| Earnings | 77 (stronger) | 49 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 75th | 54th |
| Total assets | $553.6M | $34.8M |
| Deposits / shares | $453.7M | $30.7M |
| Capital ratio | 11.99% (stronger) | 11.22% |
| Problem loans | 0.63% | 0.31% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.01% |
| Return on assets | 1.42% (stronger) | 0.73% |
| Loans ÷ deposits | 42.3% (stronger) | 54.8% |
| Uninsured deposits | 29.8% | 0.0% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.0% | — |
Eastern Michigan Bank has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Eastern Michigan Bank leads on 5 and Flagship Community Federal Credit Union on 2. 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.