Side-by-side · Q2 2026 data
Health Advantage Federal Credit Union vs Members First Credit Union
Credit union
Health Advantage Federal Credit Union
Saginaw, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Health Advantage Federal Credit Union | Members First Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 63 |
| Capital cushion | 84 (stronger) | 42 |
| Loan quality | 89 (stronger) | 78 |
| Earnings | 56 (stronger) | 49 |
| Funding & liquidity | 88 (stronger) | 78 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 82nd | 29th |
| Total assets | $179.3M | $905.4M |
| Deposits / shares | $155.5M | $779.5M |
| Capital ratio | 13.40% (stronger) | 9.21% |
| Problem loans | 0.33% (stronger) | 0.65% |
| Net charge-offs | 0.18% (stronger) | 1.06% |
| Return on assets | 0.91% (stronger) | 0.72% |
| Loans ÷ deposits | 72.7% (stronger) | 82.6% |
| Uninsured deposits | 5.1% (stronger) | 6.6% |
| Offices | 3 | 5 |
| 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 63). On the 7 directional measures above (where higher or lower is clearly better), Health Advantage Federal Credit Union leads on 7 and Members First Credit Union on 0. 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.