Side-by-side · Q2 2026 data
Mercantile Bank vs North Central Area Credit Union
Credit union
North Central Area Credit Union
Houghton Lake, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Mercantile Bank | North Central Area Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 72 |
| Capital cushion | 66 | 66 |
| Loan quality | 97 (stronger) | 68 |
| Earnings | 84 (stronger) | 74 |
| Funding & liquidity | 18 | 75 (stronger) |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 70th | 57th |
| Total assets | $6.2B | $271.7M |
| Deposits / shares | $4.9B | $240.0M |
| Capital ratio | 11.61% (stronger) | 11.55% |
| Problem loans | 0.10% (stronger) | 0.95% |
| Net charge-offs | -0.03% (stronger) | 0.29% |
| Return on assets | 1.61% (stronger) | 1.36% |
| Loans ÷ deposits | 95.4% | 85.2% (stronger) |
| Uninsured deposits | 57.5% | 3.5% (stronger) |
| Offices | 33 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | 3.1% |
Mercantile Bank has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Mercantile Bank leads on 5 and North Central Area Credit Union on 2. 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.