Side-by-side · Q2 2026 data
Straits Area Federal Credit Union vs Breakwater Federal Credit Union
Credit union
Straits Area Federal Credit Union
Cheboygan, Michigan · $100 million – $1 billion
Credit union
Breakwater Federal Credit Union
Houghton, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Straits Area Federal Credit Union | Breakwater Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 92 (stronger) |
| Capital cushion | 67 | 87 (stronger) |
| Loan quality | 8 | 89 (stronger) |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 80 | 97 (stronger) |
| Peer percentile | 19th | 97th |
| Total assets | $132.4M | $138.2M |
| Deposits / shares | $115.6M | $118.9M |
| Capital ratio | 11.74% | 13.68% (stronger) |
| Problem loans | 2.77% | 0.32% (stronger) |
| Net charge-offs | 0.33% | 0.12% (stronger) |
| Return on assets | 1.27% | 2.13% (stronger) |
| Loans ÷ deposits | 46.8% (stronger) | 69.7% |
| Uninsured deposits | 2.8% | 0.6% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Breakwater Federal Credit Union has the higher TellerScore (92 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Straits Area Federal Credit Union leads on 1 and Breakwater Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.