Side-by-side · Q2 2026 data
Freestar Financial Credit Union vs Our Credit Union
Credit union
Freestar Financial Credit Union
Mount Clemens, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Freestar Financial Credit Union | Our Credit Union |
|---|---|---|
| TellerScore | 59 | 68 (stronger) |
| Capital cushion | 46 | 50 (stronger) |
| Loan quality | 61 | 84 (stronger) |
| Earnings | 38 | 45 (stronger) |
| Funding & liquidity | 92 (stronger) | 91 |
| Problem-loan coverage | 85 | 93 (stronger) |
| Peer percentile | 19th | 45th |
| Total assets | $350.0M | $375.1M |
| Deposits / shares | $312.5M | $347.3M |
| Capital ratio | 9.63% | 9.98% (stronger) |
| Problem loans | 1.17% | 0.48% (stronger) |
| Net charge-offs | 0.52% | 0.39% (stronger) |
| Return on assets | 0.45% | 0.63% (stronger) |
| Loans ÷ deposits | 68.7% (stronger) | 68.9% |
| Uninsured deposits | 5.1% | 4.4% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Our Credit Union has the higher TellerScore (68 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Freestar Financial Credit Union leads on 1 and Our Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.