Side-by-side · Q2 2026 data
River Valley Credit Union vs Michigan One Community Credit Union
Metric by metric
| Measure | River Valley Credit Union | Michigan One Community Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 68 |
| Capital cushion | 71 (stronger) | 52 |
| Loan quality | 79 (stronger) | 77 |
| Earnings | 48 | 63 (stronger) |
| Funding & liquidity | 92 (stronger) | 77 |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 63rd | 45th |
| Total assets | $124.0M | $240.2M |
| Deposits / shares | $107.5M | $211.5M |
| Capital ratio | 12.13% (stronger) | 10.18% |
| Problem loans | 0.63% (stronger) | 0.68% |
| Net charge-offs | 0.03% (stronger) | 0.10% |
| Return on assets | 0.71% | 1.07% (stronger) |
| Loans ÷ deposits | 68.6% (stronger) | 83.5% |
| Uninsured deposits | 2.1% (stronger) | 5.5% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.1% |
River Valley Credit Union has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), River Valley Credit Union leads on 6 and Michigan One Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.