Side-by-side · Q2 2026 data
Sanibel Captiva Community Bank vs Lake Michigan Credit Union
Metric by metric
| Measure | Sanibel Captiva Community Bank | Lake Michigan Credit Union |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 49 | 63 (stronger) |
| Loan quality | 78 | 88 (stronger) |
| Earnings | 95 (stronger) | 67 |
| Funding & liquidity | 45 | 63 (stronger) |
| Problem-loan coverage | 83 | 95 (stronger) |
| Peer percentile | 37th | 71st |
| Total assets | $976.2M | $17.3B |
| Deposits / shares | $805.9M | $14.7B |
| Capital ratio | 9.92% | 11.27% (stronger) |
| Problem loans | 0.67% | 0.35% (stronger) |
| Net charge-offs | 0.17% | 0.16% (stronger) |
| Return on assets | 1.88% (stronger) | 1.18% |
| Loans ÷ deposits | 102.6% | 92.8% (stronger) |
| Uninsured deposits | 26.1% | 18.5% (stronger) |
| Offices | 8 | 38 |
| CFPB complaints (3 yrs) | — | 156 |
| Complaints per $1B deposits | — | 10.6 |
| Mortgage denial rate (HMDA) | 4.3% | 7.3% |
Lake Michigan Credit Union has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Sanibel Captiva Community Bank leads on 1 and Lake Michigan Credit Union on 6. 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.