Side-by-side · Q2 2026 data
Lake-Osceola State Bank vs North Central Area Credit Union
Credit union
North Central Area Credit Union
Houghton Lake, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Lake-Osceola State Bank | North Central Area Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 72 |
| Capital cushion | 75 (stronger) | 66 |
| Loan quality | 92 (stronger) | 68 |
| Earnings | 84 (stronger) | 74 |
| Funding & liquidity | 87 (stronger) | 75 |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 88th | 57th |
| Total assets | $469.4M | $271.7M |
| Deposits / shares | $403.4M | $240.0M |
| Capital ratio | 12.53% (stronger) | 11.55% |
| Problem loans | 0.24% (stronger) | 0.95% |
| Net charge-offs | 0.16% (stronger) | 0.29% |
| Return on assets | 1.60% (stronger) | 1.36% |
| Loans ÷ deposits | 62.4% (stronger) | 85.2% |
| Uninsured deposits | 24.8% | 3.5% (stronger) |
| Offices | 12 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.1% |
Lake-Osceola State Bank has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Lake-Osceola State Bank leads on 6 and North Central Area Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.