Side-by-side · Q2 2026 data
Health Advantage Federal Credit Union vs Elga Credit Union
Credit union
Health Advantage Federal Credit Union
Saginaw, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Health Advantage Federal Credit Union | Elga Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 75 |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 89 (stronger) | 54 |
| Earnings | 56 | 59 (stronger) |
| Funding & liquidity | 88 (stronger) | 72 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 82nd | 75th |
| Total assets | $179.3M | $2.5B |
| Deposits / shares | $155.5M | $2.0B |
| Capital ratio | 13.40% | 17.80% (stronger) |
| Problem loans | 0.33% (stronger) | 1.38% |
| Net charge-offs | 0.18% (stronger) | 0.70% |
| Return on assets | 0.91% | 0.98% (stronger) |
| Loans ÷ deposits | 72.7% (stronger) | 79.4% |
| Uninsured deposits | 5.1% (stronger) | 23.2% |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.8% | 19.0% |
Health Advantage Federal Credit Union has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Health Advantage Federal Credit Union leads on 5 and Elga 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.