Side-by-side · Q2 2026 data
Health Advantage Federal Credit Union vs Dow Credit Union
Credit union
Health Advantage Federal Credit Union
Saginaw, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Health Advantage Federal Credit Union | Dow Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 73 |
| Capital cushion | 84 (stronger) | 51 |
| Loan quality | 89 | 90 (stronger) |
| Earnings | 56 (stronger) | 50 |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 82nd | 70th |
| Total assets | $179.3M | $2.6B |
| Deposits / shares | $155.5M | $2.3B |
| Capital ratio | 13.40% (stronger) | 10.07% |
| Problem loans | 0.33% | 0.29% (stronger) |
| Net charge-offs | 0.18% (stronger) | 0.44% |
| Return on assets | 0.91% (stronger) | 0.76% |
| Loans ÷ deposits | 72.7% | 52.4% (stronger) |
| Uninsured deposits | 5.1% (stronger) | 8.1% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.8% | 11.1% |
Health Advantage Federal Credit Union has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Health Advantage Federal Credit Union leads on 5 and Dow Credit Union on 2. 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.