Side-by-side · Q2 2026 data
Michigan First Credit Union vs The Local Credit Union
Metric by metric
| Measure | Michigan First Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 72 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 62 | 91 (stronger) |
| Earnings | 44 | 74 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 66th | 97th |
| Total assets | $1.5B | $106.6M |
| Deposits / shares | $1.1B | $89.9M |
| Capital ratio | 15.80% | 16.07% (stronger) |
| Problem loans | 1.14% | 0.26% (stronger) |
| Net charge-offs | 0.95% | 0.42% (stronger) |
| Return on assets | 0.59% | 1.35% (stronger) |
| Loans ÷ deposits | 97.4% | 46.7% (stronger) |
| Uninsured deposits | 5.6% (stronger) | 7.5% |
| Offices | 22 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.1% | — |
The Local Credit Union has the higher TellerScore (92 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Michigan First Credit Union leads on 1 and The Local Credit Union on 6. 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.