Side-by-side · Q2 2026 data
Service 1 Federal Credit Union vs Downriver Community Federal Credit Union
Credit union
Downriver Community Federal Credit Union
Ecorse, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Service 1 Federal Credit Union | Downriver Community Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 86 (stronger) | 83 |
| Earnings | 83 (stronger) | 40 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 94th | 51st |
| Total assets | $198.5M | $193.2M |
| Deposits / shares | $160.8M | $180.8M |
| Capital ratio | 18.56% (stronger) | 10.54% |
| Problem loans | 0.42% (stronger) | 0.52% |
| Net charge-offs | 0.52% (stronger) | 0.53% |
| Return on assets | 1.58% (stronger) | 0.49% |
| Loans ÷ deposits | 87.3% | 43.2% (stronger) |
| Uninsured deposits | 4.3% | 3.6% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Service 1 Federal Credit Union has the higher TellerScore (89 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Service 1 Federal Credit Union leads on 5 and Downriver Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.