Side-by-side · Q2 2026 data
Headwaters State Bank vs Settlers Federal Credit Union
Credit union
Settlers Federal Credit Union
Bruce Crossing, Michigan · Under $100 million in assets
Metric by metric
| Measure | Headwaters State Bank | Settlers Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 92 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 0 | 74 (stronger) |
| Earnings | 54 | 100 (stronger) |
| Funding & liquidity | 83 | 94 (stronger) |
| Problem-loan coverage | 49 | 96 (stronger) |
| Peer percentile | 5th | 92nd |
| Total assets | $122.5M | $37.8M |
| Deposits / shares | $102.9M | $30.2M |
| Capital ratio | 11.21% | 19.67% (stronger) |
| Problem loans | 6.35% | 0.79% (stronger) |
| Net charge-offs | 0.01% | -0.63% (stronger) |
| Return on assets | 0.84% | 2.24% (stronger) |
| Loans ÷ deposits | 77.5% | 66.4% (stronger) |
| Uninsured deposits | 4.3% | 2.5% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Settlers Federal Credit Union has the higher TellerScore (92 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Headwaters State Bank leads on 0 and Settlers Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.