Side-by-side · Q2 2026 data
Michigan Legacy Credit Union vs Electrical Workers Local 58 Credit Union
Credit union
Electrical Workers Local 58 Credit Union
Detroit, Michigan · Under $100 million in assets
Metric by metric
| Measure | Michigan Legacy Credit Union | Electrical Workers Local 58 Credit Union |
|---|---|---|
| TellerScore | 75 | 90 (stronger) |
| Capital cushion | 74 (stronger) | 72 |
| Loan quality | 85 | 97 (stronger) |
| Earnings | 41 | 95 (stronger) |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 66th | 89th |
| Total assets | $226.8M | $21.4M |
| Deposits / shares | $198.5M | $18.7M |
| Capital ratio | 12.45% (stronger) | 12.24% |
| Problem loans | 0.46% | 0.09% (stronger) |
| Net charge-offs | 0.68% | 0.16% (stronger) |
| Return on assets | 0.52% | 1.89% (stronger) |
| Loans ÷ deposits | 67.6% | 31.1% (stronger) |
| Uninsured deposits | 4.4% (stronger) | 6.7% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
Electrical Workers Local 58 Credit Union has the higher TellerScore (90 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Michigan Legacy Credit Union leads on 2 and Electrical Workers Local 58 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.