Side-by-side · Q2 2026 data
Macatawa Bank, National Association vs Wmcu Credit Union
Metric by metric
| Measure | Macatawa Bank, National Association | Wmcu Credit Union |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 97 (stronger) | 69 |
| Earnings | 91 (stronger) | 64 |
| Funding & liquidity | 45 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 80th | 86th |
| Total assets | $3.7B | $455.3M |
| Deposits / shares | $3.1B | $373.3M |
| Capital ratio | 10.74% | 17.32% (stronger) |
| Problem loans | 0.08% (stronger) | 0.92% |
| Net charge-offs | 0.04% (stronger) | 0.98% |
| Return on assets | 1.77% (stronger) | 1.11% |
| Loans ÷ deposits | 91.2% | 55.1% (stronger) |
| Uninsured deposits | 37.3% | 3.2% (stronger) |
| Offices | 25 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.5% | — |
Wmcu Credit Union has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Macatawa Bank, National Association leads on 3 and Wmcu 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.