Side-by-side · Q2 2026 data
Lake City Bank vs Midwest America Federal Credit Union
Credit union
Midwest America Federal Credit Union
Fort Wayne, Indiana · $1 billion – $10 billion
Metric by metric
| Measure | Lake City Bank | Midwest America Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 79 (stronger) |
| Capital cushion | 69 | 98 (stronger) |
| Loan quality | 88 (stronger) | 70 |
| Earnings | 86 (stronger) | 66 |
| Funding & liquidity | 26 | 68 (stronger) |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 70th | 86th |
| Total assets | $7.2B | $1.0B |
| Deposits / shares | $6.3B | $846.4M |
| Capital ratio | 11.89% | 14.80% (stronger) |
| Problem loans | 0.36% (stronger) | 0.90% |
| Net charge-offs | 0.08% (stronger) | 0.47% |
| Return on assets | 1.66% (stronger) | 1.14% |
| Loans ÷ deposits | 86.9% (stronger) | 92.2% |
| Uninsured deposits | 57.6% | 7.0% (stronger) |
| Offices | 55 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 9.2% |
Midwest America Federal Credit Union has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Lake City Bank leads on 4 and Midwest America 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.