Side-by-side · Q2 2026 data
Michigan Educational Credit Union vs Lafcu Credit Union
Metric by metric
| Measure | Michigan Educational Credit Union | Lafcu Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 90 (stronger) | 59 |
| Earnings | 40 (stronger) | 33 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 75th | 66th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $987.0M | $891.8M |
| Capital ratio | 11.70% | 20.67% (stronger) |
| Problem loans | 0.29% (stronger) | 1.24% |
| Net charge-offs | 0.16% (stronger) | 1.00% |
| Return on assets | 0.49% (stronger) | 0.31% |
| Loans ÷ deposits | 48.9% (stronger) | 82.1% |
| Uninsured deposits | 4.8% (stronger) | 10.3% |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.7% |
Michigan Educational Credit Union has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Michigan Educational Credit Union leads on 6 and Lafcu Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.