Side-by-side · Q2 2026 data
Southern Michigan Bank & Trust vs Marshall Community Credit Union
Metric by metric
| Measure | Southern Michigan Bank & Trust | Marshall Community Credit Union |
|---|---|---|
| TellerScore | 56 | 78 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 69 (stronger) | 31 |
| Earnings | 54 | 100 (stronger) |
| Funding & liquidity | 50 | 81 (stronger) |
| Problem-loan coverage | 84 | 84 |
| Peer percentile | 15th | 74th |
| Total assets | $1.7B | $371.8M |
| Deposits / shares | $1.4B | $304.2M |
| Capital ratio | 9.04% | 17.17% (stronger) |
| Problem loans | 0.92% (stronger) | 2.08% |
| Net charge-offs | 0.13% (stronger) | 0.39% |
| Return on assets | 0.85% | 2.10% (stronger) |
| Loans ÷ deposits | 89.9% | 78.8% (stronger) |
| Uninsured deposits | 33.6% | 13.8% (stronger) |
| Offices | 17 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | 0.6% |
Marshall Community Credit Union has the higher TellerScore (78 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Southern Michigan Bank & Trust leads on 2 and Marshall Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.