Side-by-side · Q2 2026 data
Peninsula Federal Credit Union vs Michigan United Credit Union
Metric by metric
| Measure | Peninsula Federal Credit Union | Michigan United Credit Union |
|---|---|---|
| TellerScore | 58 | 76 (stronger) |
| Capital cushion | 40 | 70 (stronger) |
| Loan quality | 69 | 97 (stronger) |
| Earnings | 49 (stronger) | 40 |
| Funding & liquidity | 69 | 88 (stronger) |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 16th | 68th |
| Total assets | $355.7M | $349.3M |
| Deposits / shares | $321.0M | $305.0M |
| Capital ratio | 9.03% | 11.98% (stronger) |
| Problem loans | 0.94% | 0.10% (stronger) |
| Net charge-offs | 0.63% | 0.45% (stronger) |
| Return on assets | 0.73% (stronger) | 0.51% |
| Loans ÷ deposits | 91.2% | 72.5% (stronger) |
| Uninsured deposits | 7.7% | 3.9% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
Michigan United Credit Union has the higher TellerScore (76 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Peninsula Federal Credit Union leads on 1 and Michigan United Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.