Side-by-side · Q2 2026 data
Elga 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 | Elga Credit Union | Michigan Schools and Government Credit Union |
|---|---|---|
| TellerScore | 75 | 76 (stronger) |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 54 | 80 (stronger) |
| Earnings | 59 | 79 (stronger) |
| Funding & liquidity | 72 (stronger) | 57 |
| Problem-loan coverage | 89 | 91 (stronger) |
| Peer percentile | 75th | 79th |
| Total assets | $2.5B | $4.4B |
| Deposits / shares | $2.0B | $3.7B |
| Capital ratio | 17.80% (stronger) | 12.63% |
| Problem loans | 1.38% | 0.61% (stronger) |
| Net charge-offs | 0.70% | 0.27% (stronger) |
| Return on assets | 0.98% | 1.47% (stronger) |
| Loans ÷ deposits | 79.4% (stronger) | 103.0% |
| Uninsured deposits | 23.2% | 12.4% (stronger) |
| Offices | 9 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.0% | — |
Michigan Schools and Government Credit Union has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Elga Credit Union leads on 2 and Michigan Schools and Government Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.