Side-by-side · Q2 2026 data
Michigan One Community Credit Union vs Michigan Legacy Credit Union
Metric by metric
| Measure | Michigan One Community Credit Union | Michigan Legacy Credit Union |
|---|---|---|
| TellerScore | 68 | 75 (stronger) |
| Capital cushion | 52 | 74 (stronger) |
| Loan quality | 77 | 85 (stronger) |
| Earnings | 63 (stronger) | 41 |
| Funding & liquidity | 77 | 93 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 45th | 66th |
| Total assets | $240.2M | $226.8M |
| Deposits / shares | $211.5M | $198.5M |
| Capital ratio | 10.18% | 12.45% (stronger) |
| Problem loans | 0.68% | 0.46% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.68% |
| Return on assets | 1.07% (stronger) | 0.52% |
| Loans ÷ deposits | 83.5% | 67.6% (stronger) |
| Uninsured deposits | 5.5% | 4.4% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | 23.4% |
Michigan Legacy Credit Union has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Michigan One Community Credit Union leads on 2 and Michigan Legacy Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.