Side-by-side · Q2 2026 data
Michigan Columbus Federal Credit Union vs The Local Credit Union
Credit union
Michigan Columbus Federal Credit Union
Livonia, Michigan · Under $100 million in assets
Metric by metric
| Measure | Michigan Columbus Federal Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 82 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 66 | 91 (stronger) |
| Earnings | 52 | 74 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 70th | 97th |
| Total assets | $75.0M | $106.6M |
| Deposits / shares | $62.4M | $89.9M |
| Capital ratio | 16.57% (stronger) | 16.07% |
| Problem loans | 1.01% | 0.26% (stronger) |
| Net charge-offs | 0.46% | 0.42% (stronger) |
| Return on assets | 0.80% | 1.35% (stronger) |
| Loans ÷ deposits | 42.3% (stronger) | 46.7% |
| Uninsured deposits | 3.9% (stronger) | 7.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
The Local Credit Union has the higher TellerScore (92 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Michigan Columbus Federal Credit Union leads on 3 and The Local Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.