Side-by-side · Q2 2026 data
Michigan United Credit Union vs The Local Credit Union
Metric by metric
| Measure | Michigan United Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 76 | 92 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 97 (stronger) | 91 |
| Earnings | 40 | 74 (stronger) |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 68th | 97th |
| Total assets | $349.3M | $106.6M |
| Deposits / shares | $305.0M | $89.9M |
| Capital ratio | 11.98% | 16.07% (stronger) |
| Problem loans | 0.10% (stronger) | 0.26% |
| Net charge-offs | 0.45% | 0.42% (stronger) |
| Return on assets | 0.51% | 1.35% (stronger) |
| Loans ÷ deposits | 72.5% | 46.7% (stronger) |
| Uninsured deposits | 3.9% (stronger) | 7.5% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | — |
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 United Credit Union leads on 2 and The Local Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.