Side-by-side · Q2 2026 data
Flagship Community Federal Credit Union vs Settlers Federal Credit Union
Credit union
Flagship Community Federal Credit Union
Port Huron, Michigan · Under $100 million in assets
Credit union
Settlers Federal Credit Union
Bruce Crossing, Michigan · Under $100 million in assets
Metric by metric
| Measure | Flagship Community Federal Credit Union | Settlers Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 92 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 90 (stronger) | 74 |
| Earnings | 49 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 54th | 92nd |
| Total assets | $34.8M | $37.8M |
| Deposits / shares | $30.7M | $30.2M |
| Capital ratio | 11.22% | 19.67% (stronger) |
| Problem loans | 0.31% (stronger) | 0.79% |
| Net charge-offs | 0.01% | -0.63% (stronger) |
| Return on assets | 0.73% | 2.24% (stronger) |
| Loans ÷ deposits | 54.8% (stronger) | 66.4% |
| Uninsured deposits | 0.0% (stronger) | 2.5% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Settlers Federal Credit Union has the higher TellerScore (92 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Flagship Community Federal Credit Union leads on 3 and Settlers Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.