Side-by-side · Q2 2026 data
North Central Area Credit Union vs Members First Credit Union
Credit union
North Central Area Credit Union
Houghton Lake, Michigan · $100 million – $1 billion
Metric by metric
| Measure | North Central Area Credit Union | Members First Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 63 |
| Capital cushion | 66 (stronger) | 42 |
| Loan quality | 68 | 78 (stronger) |
| Earnings | 74 (stronger) | 49 |
| Funding & liquidity | 75 | 78 (stronger) |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 57th | 29th |
| Total assets | $271.7M | $905.4M |
| Deposits / shares | $240.0M | $779.5M |
| Capital ratio | 11.55% (stronger) | 9.21% |
| Problem loans | 0.95% | 0.65% (stronger) |
| Net charge-offs | 0.29% (stronger) | 1.06% |
| Return on assets | 1.36% (stronger) | 0.72% |
| Loans ÷ deposits | 85.2% | 82.6% (stronger) |
| Uninsured deposits | 3.5% (stronger) | 6.6% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | — |
North Central Area Credit Union has the higher TellerScore (72 vs 63). On the 7 directional measures above (where higher or lower is clearly better), North Central Area Credit Union leads on 5 and Members First Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.