Side-by-side · Q2 2026 data
First Bank, Upper Michigan vs U.P. State Credit Union
Metric by metric
| Measure | First Bank, Upper Michigan | U.P. State Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 79 |
| Capital cushion | 77 | 82 (stronger) |
| Loan quality | 79 (stronger) | 63 |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 59 | 84 (stronger) |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 80th | 76th |
| Total assets | $629.5M | $210.3M |
| Deposits / shares | $528.3M | $181.5M |
| Capital ratio | 12.68% | 13.17% (stronger) |
| Problem loans | 0.63% (stronger) | 1.10% |
| Net charge-offs | 0.08% (stronger) | 0.12% |
| Return on assets | 2.03% (stronger) | 1.66% |
| Loans ÷ deposits | 84.4% | 76.2% (stronger) |
| Uninsured deposits | 30.0% | 0.6% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank, Upper Michigan has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First Bank, Upper Michigan leads on 4 and U.P. State Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.