Side-by-side · Q2 2026 data
Lake Trust Credit Union vs Community Choice Credit Union
Credit union
Community Choice Credit Union
Farmington Hill, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Lake Trust Credit Union | Community Choice Credit Union |
|---|---|---|
| TellerScore | 62 | 67 (stronger) |
| Capital cushion | 58 (stronger) | 45 |
| Loan quality | 65 | 75 (stronger) |
| Earnings | 48 | 74 (stronger) |
| Funding & liquidity | 69 | 72 (stronger) |
| Problem-loan coverage | 85 | 87 (stronger) |
| Peer percentile | 30th | 47th |
| Total assets | $2.9B | $2.1B |
| Deposits / shares | $2.5B | $1.8B |
| Capital ratio | 10.84% (stronger) | 9.52% |
| Problem loans | 1.06% | 0.75% (stronger) |
| Net charge-offs | 0.66% | 0.62% (stronger) |
| Return on assets | 0.70% | 1.35% (stronger) |
| Loans ÷ deposits | 86.6% (stronger) | 87.3% |
| Uninsured deposits | 19.4% | 15.3% (stronger) |
| Offices | 16 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 44.1% | — |
Community Choice Credit Union has the higher TellerScore (67 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Lake Trust Credit Union leads on 2 and Community Choice Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.