Side-by-side · Q2 2026 data
Parda Federal Credit Union vs Michigan Legacy Credit Union
Metric by metric
| Measure | Parda Federal Credit Union | Michigan Legacy Credit Union |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 87 (stronger) | 74 |
| Loan quality | 75 | 85 (stronger) |
| Earnings | 31 | 41 (stronger) |
| Funding & liquidity | 99 (stronger) | 93 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 66th | 66th |
| Total assets | $217.4M | $226.8M |
| Deposits / shares | $189.9M | $198.5M |
| Capital ratio | 13.68% (stronger) | 12.45% |
| Problem loans | 0.75% | 0.46% (stronger) |
| Net charge-offs | 0.52% (stronger) | 0.68% |
| Return on assets | 0.27% | 0.52% (stronger) |
| Loans ÷ deposits | 61.0% (stronger) | 67.6% |
| Uninsured deposits | 9.1% | 4.4% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | 23.4% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Parda Federal Credit Union leads on 3 and Michigan Legacy Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.