Side-by-side · Q2 2026 data
Michigan State University Federal Credit Union vs Lake Michigan Credit Union
Credit union
Michigan State University Federal Credit Union
East Lansing, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Michigan State University Federal Credit Union | Lake Michigan Credit Union |
|---|---|---|
| TellerScore | 51 | 73 (stronger) |
| Capital cushion | 40 | 63 (stronger) |
| Loan quality | 59 | 88 (stronger) |
| Earnings | 32 | 67 (stronger) |
| Funding & liquidity | 65 (stronger) | 63 |
| Problem-loan coverage | 78 | 95 (stronger) |
| Peer percentile | 7th | 71st |
| Total assets | $8.9B | $17.3B |
| Deposits / shares | $7.3B | $14.7B |
| Capital ratio | 8.96% | 11.27% (stronger) |
| Problem loans | 1.24% | 0.35% (stronger) |
| Net charge-offs | 0.78% | 0.16% (stronger) |
| Return on assets | 0.31% | 1.18% (stronger) |
| Loans ÷ deposits | 95.2% | 92.8% (stronger) |
| Uninsured deposits | 14.8% (stronger) | 18.5% |
| Offices | 6 | 38 |
| CFPB complaints (3 yrs) | — | 156 |
| Complaints per $1B deposits | — | 10.6 |
| Mortgage denial rate (HMDA) | 20.6% | 7.3% |
Lake Michigan Credit Union has the higher TellerScore (73 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Michigan State University Federal Credit Union leads on 1 and Lake Michigan Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.