Side-by-side · Q2 2026 data
Lake-Osceola State Bank vs Wmcu Credit Union
Metric by metric
| Measure | Lake-Osceola State Bank | Wmcu Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 84 |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 92 (stronger) | 69 |
| Earnings | 84 (stronger) | 64 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 88th | 86th |
| Total assets | $469.4M | $455.3M |
| Deposits / shares | $403.4M | $373.3M |
| Capital ratio | 12.53% | 17.32% (stronger) |
| Problem loans | 0.24% (stronger) | 0.92% |
| Net charge-offs | 0.16% (stronger) | 0.98% |
| Return on assets | 1.60% (stronger) | 1.11% |
| Loans ÷ deposits | 62.4% | 55.1% (stronger) |
| Uninsured deposits | 24.8% | 3.2% (stronger) |
| Offices | 12 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lake-Osceola State Bank has the higher TellerScore (85 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Lake-Osceola State Bank leads on 4 and Wmcu Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Big Rapids, MI
- Reed City, MI