Side-by-side · Q2 2026 data
Kalamazoo County State Bank vs Dowagiac Area Federal Credit Union
Credit union
Dowagiac Area Federal Credit Union
Dowagiac, Michigan · Under $100 million in assets
Metric by metric
| Measure | Kalamazoo County State Bank | Dowagiac Area Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 71 (stronger) | 61 |
| Loan quality | 89 (stronger) | 84 |
| Earnings | 42 | 80 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 68th | 65th |
| Total assets | $118.4M | $26.0M |
| Deposits / shares | $105.3M | $23.1M |
| Capital ratio | 12.08% (stronger) | 11.14% |
| Problem loans | 0.33% (stronger) | 0.49% |
| Net charge-offs | 0.08% (stronger) | 0.10% |
| Return on assets | 0.54% | 1.49% (stronger) |
| Loans ÷ deposits | 57.7% | 52.8% (stronger) |
| Uninsured deposits | 16.1% | 5.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Dowagiac Area Federal Credit Union has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Kalamazoo County State Bank leads on 3 and Dowagiac Area Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.