Side-by-side · Q2 2026 data
St. Michaels Federal Credit Union vs Options Credit Union
Credit union
St. Michaels Federal Credit Union
Craig, Colorado · Under $100 million in assets
Metric by metric
| Measure | St. Michaels Federal Credit Union | Options Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 41 |
| Capital cushion | 75 (stronger) | 20 |
| Loan quality | 80 (stronger) | 60 |
| Earnings | 95 (stronger) | 17 |
| Funding & liquidity | 100 (stronger) | 62 |
| Problem-loan coverage | 97 (stronger) | 71 |
| Peer percentile | 80th | 3rd |
| Total assets | $1.0M | $5.5M |
| Deposits / shares | $894K | $5.0M |
| Capital ratio | 12.48% (stronger) | 7.02% |
| Problem loans | 0.61% (stronger) | 1.20% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.88% (stronger) | -0.06% |
| Loans ÷ deposits | 45.8% (stronger) | 98.3% |
| Uninsured deposits | 0.0% (stronger) | 2.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Michaels Federal Credit Union has the higher TellerScore (86 vs 41). On the 7 directional measures above (where higher or lower is clearly better), St. Michaels Federal Credit Union leads on 6 and Options Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.