Side-by-side · Q2 2026 data
Graco Federal Credit Union vs Health Advantage Federal Credit Union
Credit union
Health Advantage Federal Credit Union
Saginaw, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Graco Federal Credit Union | Health Advantage Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 82 (stronger) |
| Capital cushion | 47 | 84 (stronger) |
| Loan quality | 81 | 89 (stronger) |
| Earnings | 65 (stronger) | 56 |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 44th | 82nd |
| Total assets | $38.2M | $179.3M |
| Deposits / shares | $34.0M | $155.5M |
| Capital ratio | 9.70% | 13.40% (stronger) |
| Problem loans | 0.58% | 0.33% (stronger) |
| Net charge-offs | 0.35% | 0.18% (stronger) |
| Return on assets | 1.11% (stronger) | 0.91% |
| Loans ÷ deposits | 45.8% (stronger) | 72.7% |
| Uninsured deposits | 6.3% | 5.1% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.8% |
Health Advantage Federal Credit Union has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Graco Federal Credit Union leads on 2 and Health Advantage Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.