Side-by-side · Q2 2026 data
Montcalm Public Employees Credit Union vs River Valley Credit Union
Credit union
Montcalm Public Employees Credit Union
Edmore, Michigan · Under $100 million in assets
Metric by metric
| Measure | Montcalm Public Employees Credit Union | River Valley Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 60 | 79 (stronger) |
| Earnings | 72 (stronger) | 48 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 75th | 63rd |
| Total assets | $26.9M | $124.0M |
| Deposits / shares | $22.3M | $107.5M |
| Capital ratio | 16.88% (stronger) | 12.13% |
| Problem loans | 1.19% | 0.63% (stronger) |
| Net charge-offs | 0.78% | 0.03% (stronger) |
| Return on assets | 1.30% (stronger) | 0.71% |
| Loans ÷ deposits | 31.5% (stronger) | 68.6% |
| Uninsured deposits | 9.4% | 2.1% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Montcalm Public Employees Credit Union has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Montcalm Public Employees Credit Union leads on 4 and River Valley Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Edmore, MI