Side-by-side · Q2 2026 data
The Huntington National Bank vs Breakwater Federal Credit Union
Credit union
Breakwater Federal Credit Union
Houghton, Michigan · $100 million – $1 billion
Metric by metric
| Measure | The Huntington National Bank | Breakwater Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 92 (stronger) |
| Capital cushion | 43 | 87 (stronger) |
| Loan quality | 65 | 89 (stronger) |
| Earnings | 63 | 100 (stronger) |
| Funding & liquidity | 58 | 91 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 31st | 97th |
| Total assets | $283.1B | $138.2M |
| Deposits / shares | $227.1B | $118.9M |
| Capital ratio | 9.30% | 13.68% (stronger) |
| Problem loans | 1.06% | 0.32% (stronger) |
| Net charge-offs | 0.26% | 0.12% (stronger) |
| Return on assets | 1.09% | 2.13% (stronger) |
| Loans ÷ deposits | 82.7% | 69.7% (stronger) |
| Uninsured deposits | 32.5% | 0.6% (stronger) |
| Offices | 1,375 | 1 |
| CFPB complaints (3 yrs) | 4,024 | — |
| Complaints per $1B deposits | 17.7 | — |
| Mortgage denial rate (HMDA) | 31.6% | — |
Breakwater Federal Credit Union has the higher TellerScore (92 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Huntington National Bank leads on 0 and Breakwater Federal Credit Union on 7. 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.