Side-by-side · Q2 2026 data
Michigan Schools and Government Credit Union vs The Local Credit Union
Credit union
Michigan Schools and Government Credit Union
Clinton Townshi, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Michigan Schools and Government Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 76 | 92 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 80 | 91 (stronger) |
| Earnings | 79 (stronger) | 74 |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 79th | 97th |
| Total assets | $4.4B | $106.6M |
| Deposits / shares | $3.7B | $89.9M |
| Capital ratio | 12.63% | 16.07% (stronger) |
| Problem loans | 0.61% | 0.26% (stronger) |
| Net charge-offs | 0.27% (stronger) | 0.42% |
| Return on assets | 1.47% (stronger) | 1.35% |
| Loans ÷ deposits | 103.0% | 46.7% (stronger) |
| Uninsured deposits | 12.4% | 7.5% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Local Credit Union has the higher TellerScore (92 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Michigan Schools and Government Credit Union leads on 2 and The Local 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.