Side-by-side · Q2 2026 data
Kalamazoo County State Bank vs Lake Michigan Credit Union
Metric by metric
| Measure | Kalamazoo County State Bank | Lake Michigan Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 73 |
| Capital cushion | 71 (stronger) | 63 |
| Loan quality | 89 (stronger) | 88 |
| Earnings | 42 | 67 (stronger) |
| Funding & liquidity | 99 (stronger) | 63 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 68th | 71st |
| Total assets | $118.4M | $17.3B |
| Deposits / shares | $105.3M | $14.7B |
| Capital ratio | 12.08% (stronger) | 11.27% |
| Problem loans | 0.33% (stronger) | 0.35% |
| Net charge-offs | 0.08% (stronger) | 0.16% |
| Return on assets | 0.54% | 1.18% (stronger) |
| Loans ÷ deposits | 57.7% (stronger) | 92.8% |
| Uninsured deposits | 16.1% (stronger) | 18.5% |
| Offices | 3 | 38 |
| CFPB complaints (3 yrs) | — | 156 |
| Complaints per $1B deposits | — | 10.6 |
| Mortgage denial rate (HMDA) | — | 7.3% |
Kalamazoo County State Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Kalamazoo County State Bank leads on 6 and Lake Michigan Credit Union on 1. 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.
Where both have branches
- Schoolcraft, MI