Side-by-side · Q2 2026 data
Gerber Federal Credit Union vs Michigan One Community Credit Union
Metric by metric
| Measure | Gerber Federal Credit Union | Michigan One Community Credit Union |
|---|---|---|
| TellerScore | 67 | 68 (stronger) |
| Capital cushion | 52 | 52 |
| Loan quality | 70 | 77 (stronger) |
| Earnings | 50 | 63 (stronger) |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 90 | 90 |
| Peer percentile | 41st | 45th |
| Total assets | $259.5M | $240.2M |
| Deposits / shares | $233.0M | $211.5M |
| Capital ratio | 10.19% (stronger) | 10.18% |
| Problem loans | 0.89% | 0.68% (stronger) |
| Net charge-offs | 0.54% | 0.10% (stronger) |
| Return on assets | 0.74% | 1.07% (stronger) |
| Loans ÷ deposits | 60.5% (stronger) | 83.5% |
| Uninsured deposits | 2.5% (stronger) | 5.5% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.2% | 10.1% |
Michigan One Community Credit Union has the higher TellerScore (68 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Gerber Federal Credit Union leads on 3 and Michigan One Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.