Side-by-side · Q2 2026 data
Gulf Coast Business Bank vs Lake Michigan Credit Union
Metric by metric
| Measure | Gulf Coast Business Bank | Lake Michigan Credit Union |
|---|---|---|
| TellerScore | 70 | 73 (stronger) |
| Capital cushion | 75 (stronger) | 63 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 35 | 67 (stronger) |
| Funding & liquidity | 37 | 63 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 43rd | 71st |
| Total assets | $186.6M | $17.3B |
| Deposits / shares | $160.3M | $14.7B |
| Capital ratio | 12.53% (stronger) | 11.27% |
| Problem loans | 0.00% (stronger) | 0.35% |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 0.37% | 1.18% (stronger) |
| Loans ÷ deposits | 97.3% | 92.8% (stronger) |
| Uninsured deposits | 38.3% | 18.5% (stronger) |
| Offices | 1 | 38 |
| CFPB complaints (3 yrs) | — | 156 |
| Complaints per $1B deposits | — | 10.6 |
| Mortgage denial rate (HMDA) | — | 7.3% |
Lake Michigan Credit Union has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Business Bank leads on 3 and Lake Michigan Credit Union on 4. 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.