Side-by-side · Q2 2026 data
Peninsula Federal Credit Union vs Freestar Financial Credit Union
Credit union
Freestar Financial Credit Union
Mount Clemens, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Peninsula Federal Credit Union | Freestar Financial Credit Union |
|---|---|---|
| TellerScore | 58 | 59 (stronger) |
| Capital cushion | 40 | 46 (stronger) |
| Loan quality | 69 (stronger) | 61 |
| Earnings | 49 (stronger) | 38 |
| Funding & liquidity | 69 | 92 (stronger) |
| Problem-loan coverage | 83 | 85 (stronger) |
| Peer percentile | 16th | 19th |
| Total assets | $355.7M | $350.0M |
| Deposits / shares | $321.0M | $312.5M |
| Capital ratio | 9.03% | 9.63% (stronger) |
| Problem loans | 0.94% (stronger) | 1.17% |
| Net charge-offs | 0.63% | 0.52% (stronger) |
| Return on assets | 0.73% (stronger) | 0.45% |
| Loans ÷ deposits | 91.2% | 68.7% (stronger) |
| Uninsured deposits | 7.7% | 5.1% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freestar Financial Credit Union has the higher TellerScore (59 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Peninsula Federal Credit Union leads on 2 and Freestar Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.