Side-by-side · Q2 2026 data
Route 31 Federal Credit Union vs Muskegon St Joseph Federal Credit Union
Credit union
Muskegon St Joseph Federal Credit Union
Muskegon, Michigan · Under $100 million in assets
Metric by metric
| Measure | Route 31 Federal Credit Union | Muskegon St Joseph Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 67 |
| Capital cushion | 82 (stronger) | 61 |
| Loan quality | 86 (stronger) | 70 |
| Earnings | 48 | 49 (stronger) |
| Funding & liquidity | 91 (stronger) | 80 |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 76th | 34th |
| Total assets | $104.6M | $12.4M |
| Deposits / shares | $89.7M | $11.0M |
| Capital ratio | 13.21% (stronger) | 11.06% |
| Problem loans | 0.41% (stronger) | 0.89% |
| Net charge-offs | 0.40% | -0.14% (stronger) |
| Return on assets | 0.70% | 0.72% (stronger) |
| Loans ÷ deposits | 68.8% (stronger) | 79.8% |
| Uninsured deposits | 5.8% | 0.0% (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 67). On the 7 directional measures above (where higher or lower is clearly better), Route 31 Federal Credit Union leads on 4 and Muskegon St Joseph 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.