Side-by-side · Q2 2026 data
Straits Area Federal Credit Union vs Sunrise Family Credit Union
Credit union
Straits Area Federal Credit Union
Cheboygan, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Straits Area Federal Credit Union | Sunrise Family Credit Union |
|---|---|---|
| TellerScore | 59 | 68 (stronger) |
| Capital cushion | 67 (stronger) | 42 |
| Loan quality | 8 | 98 (stronger) |
| Earnings | 71 (stronger) | 31 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 80 | 99 (stronger) |
| Peer percentile | 19th | 45th |
| Total assets | $132.4M | $133.5M |
| Deposits / shares | $115.6M | $121.3M |
| Capital ratio | 11.74% (stronger) | 9.21% |
| Problem loans | 2.77% | 0.07% (stronger) |
| Net charge-offs | 0.33% | 0.17% (stronger) |
| Return on assets | 1.27% (stronger) | 0.26% |
| Loans ÷ deposits | 46.8% | 43.7% (stronger) |
| Uninsured deposits | 2.8% (stronger) | 3.5% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.2% |
Sunrise Family Credit Union has the higher TellerScore (68 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Straits Area Federal Credit Union leads on 3 and Sunrise Family Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.