Side-by-side · Q2 2026 data
Loc Credit Union vs Electrical Workers Local 58 Credit Union
Credit union
Electrical Workers Local 58 Credit Union
Detroit, Michigan · Under $100 million in assets
Metric by metric
| Measure | Loc Credit Union | Electrical Workers Local 58 Credit Union |
|---|---|---|
| TellerScore | 74 | 90 (stronger) |
| Capital cushion | 52 | 72 (stronger) |
| Loan quality | 88 | 97 (stronger) |
| Earnings | 60 | 95 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 63rd | 89th |
| Total assets | $485.0M | $21.4M |
| Deposits / shares | $434.2M | $18.7M |
| Capital ratio | 10.16% | 12.24% (stronger) |
| Problem loans | 0.36% | 0.09% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.16% |
| Return on assets | 1.00% | 1.89% (stronger) |
| Loans ÷ deposits | 57.3% | 31.1% (stronger) |
| Uninsured deposits | 4.9% (stronger) | 6.7% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.0% | — |
Electrical Workers Local 58 Credit Union has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Loc Credit Union leads on 2 and Electrical Workers Local 58 Credit Union on 5. 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.