Side-by-side · Q2 2026 data
Michigan Educational Credit Union vs Christian Financial Credit Union
Credit union
Christian Financial Credit Union
Sterling Height, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Michigan Educational Credit Union | Christian Financial Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 66 |
| Capital cushion | 67 (stronger) | 49 |
| Loan quality | 90 (stronger) | 85 |
| Earnings | 40 | 48 (stronger) |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 75th | 44th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $987.0M | $984.0M |
| Capital ratio | 11.70% (stronger) | 9.93% |
| Problem loans | 0.29% (stronger) | 0.46% |
| Net charge-offs | 0.16% | 0.14% (stronger) |
| Return on assets | 0.49% | 0.70% (stronger) |
| Loans ÷ deposits | 48.9% (stronger) | 83.0% |
| Uninsured deposits | 4.8% | 4.0% (stronger) |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 36.7% |
Michigan Educational Credit Union has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Michigan Educational Credit Union leads on 4 and Christian Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.