Side-by-side · Q2 2026 data
Isabella Community Credit Union vs Montcalm Public Employees Credit Union
Credit union
Isabella Community Credit Union
MT Pleasant, Michigan · $100 million – $1 billion
Credit union
Montcalm Public Employees Credit Union
Edmore, Michigan · Under $100 million in assets
Metric by metric
| Measure | Isabella Community Credit Union | Montcalm Public Employees Credit Union |
|---|---|---|
| TellerScore | 69 | 84 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 62 (stronger) | 60 |
| Earnings | 70 | 72 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 48th | 75th |
| Total assets | $222.2M | $26.9M |
| Deposits / shares | $198.8M | $22.3M |
| Capital ratio | 10.07% | 16.88% (stronger) |
| Problem loans | 1.14% (stronger) | 1.19% |
| Net charge-offs | 0.24% (stronger) | 0.78% |
| Return on assets | 1.26% | 1.30% (stronger) |
| Loans ÷ deposits | 58.3% | 31.5% (stronger) |
| Uninsured deposits | 0.7% (stronger) | 9.4% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Montcalm Public Employees Credit Union has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Isabella Community Credit Union leads on 3 and Montcalm Public Employees Credit Union on 4. 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.