Side-by-side · Q2 2026 data
Service 1 Federal Credit Union vs Michigan Coastal Credit Union
Metric by metric
| Measure | Service 1 Federal Credit Union | Michigan Coastal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 33 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 86 (stronger) | 0 |
| Earnings | 83 (stronger) | 51 |
| Funding & liquidity | 73 (stronger) | 70 |
| Problem-loan coverage | 97 (stronger) | 12 |
| Peer percentile | 94th | 2nd |
| Total assets | $198.5M | $25.7M |
| Deposits / shares | $160.8M | $23.4M |
| Capital ratio | 18.56% (stronger) | 8.66% |
| Problem loans | 0.42% (stronger) | 4.04% |
| Net charge-offs | 0.52% (stronger) | 0.76% |
| Return on assets | 1.58% (stronger) | 0.77% |
| Loans ÷ deposits | 87.3% (stronger) | 89.8% |
| Uninsured deposits | 4.3% | 1.4% (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 33). On the 7 directional measures above (where higher or lower is clearly better), Service 1 Federal Credit Union leads on 6 and Michigan Coastal Credit Union on 1. 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.