Side-by-side · Q2 2026 data
Michigan Educational Credit Union vs Total Community Credit Union
Metric by metric
| Measure | Michigan Educational Credit Union | Total Community Credit Union |
|---|---|---|
| TellerScore | 75 | 97 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 90 (stronger) | 88 |
| Earnings | 40 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 75th | 99th |
| Total assets | $1.1B | $111.3M |
| Deposits / shares | $987.0M | $93.9M |
| Capital ratio | 11.70% | 15.29% (stronger) |
| Problem loans | 0.29% (stronger) | 0.36% |
| Net charge-offs | 0.16% (stronger) | 0.38% |
| Return on assets | 0.49% | 2.04% (stronger) |
| Loans ÷ deposits | 48.9% | 46.4% (stronger) |
| Uninsured deposits | 4.8% | 2.6% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Total Community Credit Union has the higher TellerScore (97 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Michigan Educational Credit Union leads on 2 and Total Community Credit Union on 5. 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.