Side-by-side · Q2 2026 data
Route 31 Federal Credit Union vs Lakeshore Federal Credit Union
Metric by metric
| Measure | Route 31 Federal Credit Union | Lakeshore Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 78 |
| Capital cushion | 82 (stronger) | 69 |
| Loan quality | 86 | 99 (stronger) |
| Earnings | 48 (stronger) | 40 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 76th | 59th |
| Total assets | $104.6M | $45.2M |
| Deposits / shares | $89.7M | $39.9M |
| Capital ratio | 13.21% (stronger) | 11.87% |
| Problem loans | 0.41% | 0.04% (stronger) |
| Net charge-offs | 0.40% | 0.13% (stronger) |
| Return on assets | 0.70% (stronger) | 0.51% |
| Loans ÷ deposits | 68.8% | 33.1% (stronger) |
| Uninsured deposits | 5.8% | 5.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
Route 31 Federal Credit Union has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Route 31 Federal Credit Union leads on 3 and Lakeshore Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.