Side-by-side · Q2 2026 data
Southern Michigan Bank & Trust vs Midwest America Federal Credit Union
Credit union
Midwest America Federal Credit Union
Fort Wayne, Indiana · $1 billion – $10 billion
Metric by metric
| Measure | Southern Michigan Bank & Trust | Midwest America Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 79 (stronger) |
| Capital cushion | 40 | 98 (stronger) |
| Loan quality | 69 | 70 (stronger) |
| Earnings | 54 | 66 (stronger) |
| Funding & liquidity | 50 | 68 (stronger) |
| Problem-loan coverage | 84 | 90 (stronger) |
| Peer percentile | 15th | 86th |
| Total assets | $1.7B | $1.0B |
| Deposits / shares | $1.4B | $846.4M |
| Capital ratio | 9.04% | 14.80% (stronger) |
| Problem loans | 0.92% | 0.90% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.47% |
| Return on assets | 0.85% | 1.14% (stronger) |
| Loans ÷ deposits | 89.9% (stronger) | 92.2% |
| Uninsured deposits | 33.6% | 7.0% (stronger) |
| Offices | 17 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | 9.2% |
Midwest America Federal Credit Union has the higher TellerScore (79 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Southern Michigan Bank & Trust leads on 2 and Midwest America Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.