Side-by-side · Q2 2026 data
PNC Bank, National Association vs Straits Area Federal Credit Union
Credit union
Straits Area Federal Credit Union
Cheboygan, Michigan · $100 million – $1 billion
Metric by metric
| Measure | PNC Bank, National Association | Straits Area Federal Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 59 |
| Capital cushion | 40 | 67 (stronger) |
| Loan quality | 75 (stronger) | 8 |
| Earnings | 73 (stronger) | 71 |
| Funding & liquidity | 48 | 100 (stronger) |
| Problem-loan coverage | 92 (stronger) | 80 |
| Peer percentile | 53rd | 19th |
| Total assets | $609.8B | $132.4M |
| Deposits / shares | $457.8B | $115.6M |
| Capital ratio | 8.98% | 11.74% (stronger) |
| Problem loans | 0.74% (stronger) | 2.77% |
| Net charge-offs | 0.24% (stronger) | 0.33% |
| Return on assets | 1.32% (stronger) | 1.27% |
| Loans ÷ deposits | 79.7% | 46.8% (stronger) |
| Uninsured deposits | 44.8% | 2.8% (stronger) |
| Offices | 2,305 | 4 |
| CFPB complaints (3 yrs) | 9,272 | — |
| Complaints per $1B deposits | 20.3 | — |
| Mortgage denial rate (HMDA) | 33.8% | — |
PNC Bank, National Association has the higher TellerScore (62 vs 59). On the 7 directional measures above (where higher or lower is clearly better), PNC Bank, National Association leads on 4 and Straits Area Federal Credit Union on 3. 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
- Grand Rapids, MI
- Cheboygan, MI