Side-by-side · Q2 2026 data
Southern Michigan Bank & Trust vs Profed Federal Credit Union
Metric by metric
| Measure | Southern Michigan Bank & Trust | Profed Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 82 (stronger) |
| Capital cushion | 40 | 82 (stronger) |
| Loan quality | 69 | 84 (stronger) |
| Earnings | 54 | 73 (stronger) |
| Funding & liquidity | 50 | 79 (stronger) |
| Problem-loan coverage | 84 | 95 (stronger) |
| Peer percentile | 15th | 82nd |
| Total assets | $1.7B | $763.5M |
| Deposits / shares | $1.4B | $657.2M |
| Capital ratio | 9.04% | 13.16% (stronger) |
| Problem loans | 0.92% | 0.47% (stronger) |
| Net charge-offs | 0.13% | 0.10% (stronger) |
| Return on assets | 0.85% | 1.32% (stronger) |
| Loans ÷ deposits | 89.9% | 81.3% (stronger) |
| Uninsured deposits | 33.6% | 3.0% (stronger) |
| Offices | 17 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | — |
Profed Federal Credit Union has the higher TellerScore (82 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Southern Michigan Bank & Trust leads on 0 and Profed Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.