Side-by-side · Q2 2026 data
Integra First Federal Credit Union vs Straits Area Federal Credit Union
Credit union
Straits Area Federal Credit Union
Cheboygan, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Integra First Federal Credit Union | Straits Area Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 59 (stronger) |
| Capital cushion | 40 | 67 (stronger) |
| Loan quality | 67 (stronger) | 8 |
| Earnings | 27 | 71 (stronger) |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 85 (stronger) | 80 |
| Peer percentile | 13th | 19th |
| Total assets | $135.4M | $132.4M |
| Deposits / shares | $122.8M | $115.6M |
| Capital ratio | 9.03% | 11.74% (stronger) |
| Problem loans | 0.99% (stronger) | 2.77% |
| Net charge-offs | 0.45% | 0.33% (stronger) |
| Return on assets | 0.17% | 1.27% (stronger) |
| Loans ÷ deposits | 71.4% | 46.8% (stronger) |
| Uninsured deposits | 6.4% | 2.8% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Straits Area Federal Credit Union has the higher TellerScore (59 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Integra First Federal Credit Union leads on 1 and Straits Area Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.