Side-by-side · Q2 2026 data
Peoples State Bank of Munising vs Northern Lights Community Federal Credit Union
Credit union
Northern Lights Community Federal Credit Union
Chatham, Michigan · Under $100 million in assets
Metric by metric
| Measure | Peoples State Bank of Munising | Northern Lights Community Federal Credit Union |
|---|---|---|
| TellerScore | 48 | 70 (stronger) |
| Capital cushion | 77 (stronger) | 48 |
| Loan quality | 0 | 44 (stronger) |
| Earnings | 37 | 100 (stronger) |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 70 | 91 (stronger) |
| Peer percentile | 6th | 40th |
| Total assets | $190.4M | $12.9M |
| Deposits / shares | $142.0M | $11.6M |
| Capital ratio | 12.75% (stronger) | 9.75% |
| Problem loans | 3.39% | 1.67% (stronger) |
| Net charge-offs | 0.03% | -0.08% (stronger) |
| Return on assets | 0.43% | 2.14% (stronger) |
| Loans ÷ deposits | 76.4% | 29.3% (stronger) |
| Uninsured deposits | 26.0% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Lights Community Federal Credit Union has the higher TellerScore (70 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank of Munising leads on 1 and Northern Lights Community Federal Credit Union on 6. 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.
Where both have branches
- Chatham, MI