Side-by-side · Q2 2026 data
The First National Bank of St. Ignace vs U.P. State Credit Union
Metric by metric
| Measure | The First National Bank of St. Ignace | U.P. State Credit Union |
|---|---|---|
| TellerScore | 59 | 79 (stronger) |
| Capital cushion | 28 | 82 (stronger) |
| Loan quality | 78 (stronger) | 63 |
| Earnings | 45 | 86 (stronger) |
| Funding & liquidity | 83 | 84 (stronger) |
| Problem-loan coverage | 92 (stronger) | 89 |
| Peer percentile | 17th | 76th |
| Total assets | $335.8M | $210.3M |
| Deposits / shares | $316.3M | $181.5M |
| Capital ratio | 7.78% | 13.17% (stronger) |
| Problem loans | 0.65% (stronger) | 1.10% |
| Net charge-offs | 0.17% | 0.12% (stronger) |
| Return on assets | 0.63% | 1.66% (stronger) |
| Loans ÷ deposits | 35.1% (stronger) | 76.2% |
| Uninsured deposits | 30.1% | 0.6% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U.P. State Credit Union has the higher TellerScore (79 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of St. Ignace leads on 2 and U.P. State Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cedarville, MI
- Saint Ignace, MI