Side-by-side · Q2 2026 data
Michigan First Credit Union vs Vibe Credit Union
Metric by metric
| Measure | Michigan First Credit Union | Vibe Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 62 | 64 (stronger) |
| Earnings | 44 (stronger) | 43 |
| Funding & liquidity | 63 | 83 (stronger) |
| Problem-loan coverage | 87 | 87 |
| Peer percentile | 66th | 30th |
| Total assets | $1.5B | $1.6B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 15.80% (stronger) | 10.46% |
| Problem loans | 1.14% | 1.08% (stronger) |
| Net charge-offs | 0.95% | 0.56% (stronger) |
| Return on assets | 0.59% (stronger) | 0.57% |
| Loans ÷ deposits | 97.4% | 76.8% (stronger) |
| Uninsured deposits | 5.6% | 4.8% (stronger) |
| Offices | 22 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.1% | 9.5% |
Michigan First Credit Union has the higher TellerScore (72 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Michigan First Credit Union leads on 3 and Vibe Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.