Side-by-side · Q2 2026 data
Muskegon St Joseph Federal Credit Union vs Aac Credit Union
Credit union
Muskegon St Joseph Federal Credit Union
Muskegon, Michigan · Under $100 million in assets
Metric by metric
| Measure | Muskegon St Joseph Federal Credit Union | Aac Credit Union |
|---|---|---|
| TellerScore | 67 | 90 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 70 | 88 (stronger) |
| Earnings | 49 | 78 (stronger) |
| Funding & liquidity | 80 | 85 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 34th | 95th |
| Total assets | $12.4M | $212.4M |
| Deposits / shares | $11.0M | $158.1M |
| Capital ratio | 11.06% | 24.16% (stronger) |
| Problem loans | 0.89% | 0.36% (stronger) |
| Net charge-offs | -0.14% (stronger) | 0.08% |
| Return on assets | 0.72% | 1.46% (stronger) |
| Loans ÷ deposits | 79.8% | 75.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 5.3% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Aac Credit Union has the higher TellerScore (90 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Muskegon St Joseph Federal Credit Union leads on 2 and Aac 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.