Side-by-side · Q2 2026 data
Michigan First Credit Union vs University of Michigan Credit Union
Credit union
University of Michigan Credit Union
Ann Arbor, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Michigan First Credit Union | University of Michigan Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 62 | 73 (stronger) |
| Earnings | 44 (stronger) | 36 |
| Funding & liquidity | 63 (stronger) | 57 |
| Problem-loan coverage | 87 | 88 (stronger) |
| Peer percentile | 66th | 27th |
| Total assets | $1.5B | $1.5B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 15.80% (stronger) | 11.08% |
| Problem loans | 1.14% | 0.82% (stronger) |
| Net charge-offs | 0.95% | 0.62% (stronger) |
| Return on assets | 0.59% (stronger) | 0.41% |
| Loans ÷ deposits | 97.4% (stronger) | 103.3% |
| Uninsured deposits | 5.6% (stronger) | 10.6% |
| Offices | 22 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.1% | 7.1% |
Michigan First Credit Union has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Michigan First Credit Union leads on 5 and University of Michigan Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.