Side-by-side · Q2 2026 data
First State Bank of Michigan vs Dowagiac Area Federal Credit Union
Credit union
Dowagiac Area Federal Credit Union
Dowagiac, Michigan · Under $100 million in assets
Metric by metric
| Measure | First State Bank of Michigan | Dowagiac Area Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 89 (stronger) | 61 |
| Loan quality | 71 | 84 (stronger) |
| Earnings | 0 | 80 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 24th | 65th |
| Total assets | $87.8M | $26.0M |
| Deposits / shares | $71.6M | $23.1M |
| Capital ratio | 13.89% (stronger) | 11.14% |
| Problem loans | 0.88% | 0.49% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | -1.32% | 1.49% (stronger) |
| Loans ÷ deposits | 88.3% | 52.8% (stronger) |
| Uninsured deposits | 9.7% | 5.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Dowagiac Area Federal Credit Union has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Michigan leads on 2 and Dowagiac Area Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.