Side-by-side · Q2 2026 data
Southeast Michigan State Employees Federal Credit Union vs The Local Credit Union
Credit union
Southeast Michigan State Employees Federal Credit Union
West Bloomfield, Michigan · Under $100 million in assets
Metric by metric
| Measure | Southeast Michigan State Employees Federal Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 66 | 92 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 29 | 91 (stronger) |
| Earnings | 64 | 74 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 32nd | 97th |
| Total assets | $51.5M | $106.6M |
| Deposits / shares | $45.8M | $89.9M |
| Capital ratio | 12.07% | 16.07% (stronger) |
| Problem loans | 2.14% | 0.26% (stronger) |
| Net charge-offs | 1.55% | 0.42% (stronger) |
| Return on assets | 1.09% | 1.35% (stronger) |
| Loans ÷ deposits | 18.0% (stronger) | 46.7% |
| Uninsured deposits | 6.4% (stronger) | 7.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Local Credit Union has the higher TellerScore (92 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Southeast Michigan State Employees Federal Credit Union leads on 2 and The Local Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.