Side-by-side · Q2 2026 data
Lake-Osceola State Bank vs Community First Federal Credit Union
Credit union
Community First Federal Credit Union
Lakeview, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Lake-Osceola State Bank | Community First Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 45 |
| Capital cushion | 75 (stronger) | 34 |
| Loan quality | 92 (stronger) | 33 |
| Earnings | 84 (stronger) | 51 |
| Funding & liquidity | 87 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 60 |
| Peer percentile | 88th | 3rd |
| Total assets | $469.4M | $148.8M |
| Deposits / shares | $403.4M | $135.2M |
| Capital ratio | 12.53% (stronger) | 8.43% |
| Problem loans | 0.24% (stronger) | 2.02% |
| Net charge-offs | 0.16% (stronger) | 0.57% |
| Return on assets | 1.60% (stronger) | 0.77% |
| Loans ÷ deposits | 62.4% (stronger) | 92.8% |
| Uninsured deposits | 24.8% | 5.3% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Lake-Osceola State Bank has the higher TellerScore (85 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Lake-Osceola State Bank leads on 6 and Community First Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.