Side-by-side · Q2 2026 data
Freestar Financial Credit Union vs Extra Credit Union
Credit union
Freestar Financial Credit Union
Mount Clemens, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Freestar Financial Credit Union | Extra Credit Union |
|---|---|---|
| TellerScore | 59 | 79 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 61 (stronger) | 48 |
| Earnings | 38 | 67 (stronger) |
| Funding & liquidity | 92 | 96 (stronger) |
| Problem-loan coverage | 85 | 90 (stronger) |
| Peer percentile | 19th | 76th |
| Total assets | $350.0M | $345.4M |
| Deposits / shares | $312.5M | $285.1M |
| Capital ratio | 9.63% | 17.51% (stronger) |
| Problem loans | 1.17% (stronger) | 1.56% |
| Net charge-offs | 0.52% (stronger) | 1.76% |
| Return on assets | 0.45% | 1.16% (stronger) |
| Loans ÷ deposits | 68.7% | 64.4% (stronger) |
| Uninsured deposits | 5.1% (stronger) | 6.4% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Extra Credit Union has the higher TellerScore (79 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Freestar Financial Credit Union leads on 3 and Extra Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.