Side-by-side · Q2 2026 data
Isabella Community Credit Union vs U.P. State Credit Union
Credit union
Isabella Community Credit Union
MT Pleasant, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Isabella Community Credit Union | U.P. State Credit Union |
|---|---|---|
| TellerScore | 69 | 79 (stronger) |
| Capital cushion | 51 | 82 (stronger) |
| Loan quality | 62 | 63 (stronger) |
| Earnings | 70 | 86 (stronger) |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 48th | 76th |
| Total assets | $222.2M | $210.3M |
| Deposits / shares | $198.8M | $181.5M |
| Capital ratio | 10.07% | 13.17% (stronger) |
| Problem loans | 1.14% | 1.10% (stronger) |
| Net charge-offs | 0.24% | 0.12% (stronger) |
| Return on assets | 1.26% | 1.66% (stronger) |
| Loans ÷ deposits | 58.3% (stronger) | 76.2% |
| Uninsured deposits | 0.7% | 0.6% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U.P. State Credit Union has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Isabella Community Credit Union leads on 1 and U.P. State Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.