Side-by-side · Q2 2026 data
I.M. Detroit District Credit Union vs Michigan Legacy Credit Union
Credit union
I.M. Detroit District Credit Union
Detroit, Michigan · Under $100 million in assets
Metric by metric
| Measure | I.M. Detroit District Credit Union | Michigan Legacy Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 50 | 93 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 94th | 66th |
| Total assets | $1.9M | $226.8M |
| Deposits / shares | $1.4M | $198.5M |
| Capital ratio | 28.08% (stronger) | 12.45% |
| Problem loans | 0.00% (stronger) | 0.46% |
| Net charge-offs | 0.00% (stronger) | 0.68% |
| Return on assets | 2.34% (stronger) | 0.52% |
| Loans ÷ deposits | 2.2% (stronger) | 67.6% |
| Uninsured deposits | 88.7% | 4.4% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.4% |
I.M. Detroit District Credit Union has the higher TellerScore (93 vs 75). On the 7 directional measures above (where higher or lower is clearly better), I.M. Detroit District Credit Union leads on 6 and Michigan Legacy Credit Union on 1. 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.