Side-by-side · Q2 2026 data
Gerber Federal Credit Union vs Lakeshore Federal Credit Union
Metric by metric
| Measure | Gerber Federal Credit Union | Lakeshore Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 78 (stronger) |
| Capital cushion | 52 | 69 (stronger) |
| Loan quality | 70 | 99 (stronger) |
| Earnings | 50 (stronger) | 40 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 41st | 59th |
| Total assets | $259.5M | $45.2M |
| Deposits / shares | $233.0M | $39.9M |
| Capital ratio | 10.19% | 11.87% (stronger) |
| Problem loans | 0.89% | 0.04% (stronger) |
| Net charge-offs | 0.54% | 0.13% (stronger) |
| Return on assets | 0.74% (stronger) | 0.51% |
| Loans ÷ deposits | 60.5% | 33.1% (stronger) |
| Uninsured deposits | 2.5% (stronger) | 5.0% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.2% | — |
Lakeshore Federal Credit Union has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Gerber Federal Credit Union leads on 2 and Lakeshore Federal Credit Union on 5. 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.