Side-by-side · Q2 2026 data
Isabella Bank vs Montcalm Public Employees Credit Union
Credit union
Montcalm Public Employees Credit Union
Edmore, Michigan · Under $100 million in assets
Metric by metric
| Measure | Isabella Bank | Montcalm Public Employees Credit Union |
|---|---|---|
| TellerScore | 62 | 84 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 84 (stronger) | 60 |
| Earnings | 64 | 72 (stronger) |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 27th | 75th |
| Total assets | $2.2B | $26.9M |
| Deposits / shares | $1.8B | $22.3M |
| Capital ratio | 8.93% | 16.88% (stronger) |
| Problem loans | 0.49% (stronger) | 1.19% |
| Net charge-offs | 0.08% (stronger) | 0.78% |
| Return on assets | 1.10% | 1.30% (stronger) |
| Loans ÷ deposits | 85.4% | 31.5% (stronger) |
| Uninsured deposits | 36.5% | 9.4% (stronger) |
| Offices | 27 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
Montcalm Public Employees Credit Union has the higher TellerScore (84 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Isabella Bank leads on 2 and Montcalm Public Employees Credit Union on 5. 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.