Side-by-side · Q2 2026 data
First Bank, Upper Michigan vs Forward Financial Credit Union
Metric by metric
| Measure | First Bank, Upper Michigan | Forward Financial Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 75 |
| Capital cushion | 77 | 85 (stronger) |
| Loan quality | 79 (stronger) | 74 |
| Earnings | 100 (stronger) | 36 |
| Funding & liquidity | 59 | 97 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 80th | 52nd |
| Total assets | $629.5M | $85.9M |
| Deposits / shares | $528.3M | $73.5M |
| Capital ratio | 12.68% | 13.53% (stronger) |
| Problem loans | 0.63% (stronger) | 0.79% |
| Net charge-offs | 0.08% (stronger) | 0.15% |
| Return on assets | 2.03% (stronger) | 0.40% |
| Loans ÷ deposits | 84.4% | 63.2% (stronger) |
| Uninsured deposits | 30.0% | 1.2% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank, Upper Michigan has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First Bank, Upper Michigan leads on 4 and Forward Financial Credit Union on 3. 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.