Side-by-side · Q2 2026 data
Port City Federal Credit Union vs West Michigan Postal Service Federal Credit Union
Credit union
West Michigan Postal Service Federal Credit Union
Muskegon, Michigan · Under $100 million in assets
Metric by metric
| Measure | Port City Federal Credit Union | West Michigan Postal Service Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 65 |
| Capital cushion | 71 | 87 (stronger) |
| Loan quality | 99 (stronger) | 20 |
| Earnings | 45 | 74 (stronger) |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 100 (stronger) | 76 |
| Peer percentile | 65th | 30th |
| Total assets | $42.1M | $7.1M |
| Deposits / shares | $36.8M | $6.1M |
| Capital ratio | 12.13% | 13.67% (stronger) |
| Problem loans | 0.04% (stronger) | 2.41% |
| Net charge-offs | -0.04% (stronger) | 0.70% |
| Return on assets | 0.63% | 1.34% (stronger) |
| Loans ÷ deposits | 40.0% (stronger) | 83.6% |
| Uninsured deposits | 4.0% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Port City Federal Credit Union has the higher TellerScore (80 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Port City Federal Credit Union leads on 4 and West Michigan Postal Service 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.