Side-by-side · Q2 2026 data
First Bank, Upper Michigan vs Iron Mountain Kingsford Community Federal Credit Union
Credit union
Iron Mountain Kingsford Community Federal Credit Union
Kingsford, Michigan · $100 million – $1 billion
Metric by metric
| Measure | First Bank, Upper Michigan | Iron Mountain Kingsford Community Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 96 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 79 | 94 (stronger) |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 80th | 99th |
| Total assets | $629.5M | $149.4M |
| Deposits / shares | $528.3M | $121.8M |
| Capital ratio | 12.68% | 17.86% (stronger) |
| Problem loans | 0.63% | 0.18% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.22% |
| Return on assets | 2.03% (stronger) | 1.66% |
| Loans ÷ deposits | 84.4% | 28.6% (stronger) |
| Uninsured deposits | 30.0% | 1.9% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Iron Mountain Kingsford Community Federal Credit Union has the higher TellerScore (96 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First Bank, Upper Michigan leads on 2 and Iron Mountain Kingsford Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Kingsford, MI