Side-by-side · Q2 2026 data
Extra Credit Union vs Michigan United Credit Union
Metric by metric
| Measure | Extra Credit Union | Michigan United Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 48 | 97 (stronger) |
| Earnings | 67 (stronger) | 40 |
| Funding & liquidity | 96 (stronger) | 88 |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 76th | 68th |
| Total assets | $345.4M | $349.3M |
| Deposits / shares | $285.1M | $305.0M |
| Capital ratio | 17.51% (stronger) | 11.98% |
| Problem loans | 1.56% | 0.10% (stronger) |
| Net charge-offs | 1.76% | 0.45% (stronger) |
| Return on assets | 1.16% (stronger) | 0.51% |
| Loans ÷ deposits | 64.4% (stronger) | 72.5% |
| Uninsured deposits | 6.4% | 3.9% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
Extra Credit Union has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Extra Credit Union leads on 4 and Michigan United Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.