Side-by-side · Q2 2026 data
First Independence Bank vs Electrical Workers Local 58 Credit Union
Credit union
Electrical Workers Local 58 Credit Union
Detroit, Michigan · Under $100 million in assets
Metric by metric
| Measure | First Independence Bank | Electrical Workers Local 58 Credit Union |
|---|---|---|
| TellerScore | 74 | 90 (stronger) |
| Capital cushion | 58 | 72 (stronger) |
| Loan quality | 76 | 97 (stronger) |
| Earnings | 100 (stronger) | 95 |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 57th | 89th |
| Total assets | $875.3M | $21.4M |
| Deposits / shares | $703.4M | $18.7M |
| Capital ratio | 10.82% | 12.24% (stronger) |
| Problem loans | 0.71% | 0.09% (stronger) |
| Net charge-offs | 2.11% | 0.16% (stronger) |
| Return on assets | 2.08% (stronger) | 1.89% |
| Loans ÷ deposits | 74.6% | 31.1% (stronger) |
| Uninsured deposits | 40.7% | 6.7% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Electrical Workers Local 58 Credit Union has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Independence Bank leads on 1 and Electrical Workers Local 58 Credit Union on 6. 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.