Side-by-side · Q2 2026 data
Southeast Michigan State Employees Federal Credit Union vs Tri-Cities 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 | Tri-Cities Credit Union |
|---|---|---|
| TellerScore | 66 | 86 (stronger) |
| Capital cushion | 71 | 89 (stronger) |
| Loan quality | 29 | 98 (stronger) |
| Earnings | 64 (stronger) | 58 |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 32nd | 80th |
| Total assets | $51.5M | $51.3M |
| Deposits / shares | $45.8M | $43.7M |
| Capital ratio | 12.07% | 13.92% (stronger) |
| Problem loans | 2.14% | 0.05% (stronger) |
| Net charge-offs | 1.55% | 0.13% (stronger) |
| Return on assets | 1.09% (stronger) | 0.96% |
| Loans ÷ deposits | 18.0% (stronger) | 71.4% |
| Uninsured deposits | 6.4% | 5.5% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tri-Cities Credit Union has the higher TellerScore (86 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 Tri-Cities Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.