Side-by-side · Q2 2026 data
Macatawa Bank, National Association vs Aac Credit Union
Metric by metric
| Measure | Macatawa Bank, National Association | Aac Credit Union |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 97 (stronger) | 88 |
| Earnings | 91 (stronger) | 78 |
| Funding & liquidity | 45 | 85 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 80th | 95th |
| Total assets | $3.7B | $212.4M |
| Deposits / shares | $3.1B | $158.1M |
| Capital ratio | 10.74% | 24.16% (stronger) |
| Problem loans | 0.08% (stronger) | 0.36% |
| Net charge-offs | 0.04% (stronger) | 0.08% |
| Return on assets | 1.77% (stronger) | 1.46% |
| Loans ÷ deposits | 91.2% | 75.1% (stronger) |
| Uninsured deposits | 37.3% | 5.3% (stronger) |
| Offices | 25 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.5% | 12.5% |
Aac Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Macatawa Bank, National Association leads on 3 and Aac Credit Union on 4. 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.
Where both have branches
- Grand Rapids, MI
- Holland, MI
- Zeeland, MI