Side-by-side · Q2 2026 data
Mi Bank vs The Local Credit Union
Metric by metric
| Measure | Mi Bank | The Local Credit Union |
|---|---|---|
| TellerScore | 63 | 92 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 94 (stronger) | 91 |
| Earnings | 57 | 74 (stronger) |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 24th | 97th |
| Total assets | $245.5M | $106.6M |
| Deposits / shares | $220.9M | $89.9M |
| Capital ratio | 9.14% | 16.07% (stronger) |
| Problem loans | 0.19% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 0.92% | 1.35% (stronger) |
| Loans ÷ deposits | 93.7% | 46.7% (stronger) |
| Uninsured deposits | 38.7% | 7.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Local Credit Union has the higher TellerScore (92 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Mi Bank leads on 2 and The Local Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.