Side-by-side · Q2 2026 data
Service 1 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 | Service 1 Federal Credit Union | Muskegon St Joseph Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 86 (stronger) | 70 |
| Earnings | 83 (stronger) | 49 |
| Funding & liquidity | 73 | 80 (stronger) |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 94th | 34th |
| Total assets | $198.5M | $12.4M |
| Deposits / shares | $160.8M | $11.0M |
| Capital ratio | 18.56% (stronger) | 11.06% |
| Problem loans | 0.42% (stronger) | 0.89% |
| Net charge-offs | 0.52% | -0.14% (stronger) |
| Return on assets | 1.58% (stronger) | 0.72% |
| Loans ÷ deposits | 87.3% | 79.8% (stronger) |
| Uninsured deposits | 4.3% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Service 1 Federal Credit Union has the higher TellerScore (89 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Service 1 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.