Side-by-side · Q2 2026 data
Lake City 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 | Lake City Bank | Dowagiac Area Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 80 (stronger) |
| Capital cushion | 69 (stronger) | 61 |
| Loan quality | 88 (stronger) | 84 |
| Earnings | 86 (stronger) | 80 |
| Funding & liquidity | 26 | 100 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 70th | 65th |
| Total assets | $7.2B | $26.0M |
| Deposits / shares | $6.3B | $23.1M |
| Capital ratio | 11.89% (stronger) | 11.14% |
| Problem loans | 0.36% (stronger) | 0.49% |
| Net charge-offs | 0.08% (stronger) | 0.10% |
| Return on assets | 1.66% (stronger) | 1.49% |
| Loans ÷ deposits | 86.9% | 52.8% (stronger) |
| Uninsured deposits | 57.6% | 5.1% (stronger) |
| Offices | 55 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | — |
Dowagiac Area Federal Credit Union has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Lake City Bank leads on 4 and Dowagiac Area Federal Credit Union on 3. 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.