Side-by-side · Q2 2026 data
Michigan State University Federal Credit Union vs Pfcu 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 | Pfcu Credit Union |
|---|---|---|
| TellerScore | 51 | 77 (stronger) |
| Capital cushion | 40 | 63 (stronger) |
| Loan quality | 59 | 88 (stronger) |
| Earnings | 32 | 66 (stronger) |
| Funding & liquidity | 65 | 87 (stronger) |
| Problem-loan coverage | 78 | 96 (stronger) |
| Peer percentile | 7th | 71st |
| Total assets | $8.9B | $873.2M |
| Deposits / shares | $7.3B | $770.3M |
| Capital ratio | 8.96% | 11.29% (stronger) |
| Problem loans | 1.24% | 0.37% (stronger) |
| Net charge-offs | 0.78% | 0.44% (stronger) |
| Return on assets | 0.31% | 1.15% (stronger) |
| Loans ÷ deposits | 95.2% | 73.2% (stronger) |
| Uninsured deposits | 14.8% | 4.7% (stronger) |
| Offices | 6 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.6% | — |
Pfcu Credit Union has the higher TellerScore (77 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Michigan State University Federal Credit Union leads on 0 and Pfcu Credit Union on 7. 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.