Side-by-side · Q2 2026 data
Service 1 Federal Credit Union vs West Michigan Postal Service Federal Credit Union
Credit union
West Michigan Postal Service Federal Credit Union
Muskegon, Michigan · Under $100 million in assets
Metric by metric
| Measure | Service 1 Federal Credit Union | West Michigan Postal Service Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 86 (stronger) | 20 |
| Earnings | 83 (stronger) | 74 |
| Funding & liquidity | 73 | 77 (stronger) |
| Problem-loan coverage | 97 (stronger) | 76 |
| Peer percentile | 94th | 30th |
| Total assets | $198.5M | $7.1M |
| Deposits / shares | $160.8M | $6.1M |
| Capital ratio | 18.56% (stronger) | 13.67% |
| Problem loans | 0.42% (stronger) | 2.41% |
| Net charge-offs | 0.52% (stronger) | 0.70% |
| Return on assets | 1.58% (stronger) | 1.34% |
| Loans ÷ deposits | 87.3% | 83.6% (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 65). On the 7 directional measures above (where higher or lower is clearly better), Service 1 Federal Credit Union leads on 5 and West Michigan Postal Service Federal Credit Union on 2. 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.