Side-by-side · Q2 2026 data
The Local Credit Union vs Christian Financial Credit Union
Credit union
Christian Financial Credit Union
Sterling Height, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | The Local Credit Union | Christian Financial Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 91 (stronger) | 85 |
| Earnings | 74 (stronger) | 48 |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 97th | 44th |
| Total assets | $106.6M | $1.1B |
| Deposits / shares | $89.9M | $984.0M |
| Capital ratio | 16.07% (stronger) | 9.93% |
| Problem loans | 0.26% (stronger) | 0.46% |
| Net charge-offs | 0.42% | 0.14% (stronger) |
| Return on assets | 1.35% (stronger) | 0.70% |
| Loans ÷ deposits | 46.7% (stronger) | 83.0% |
| Uninsured deposits | 7.5% | 4.0% (stronger) |
| Offices | 1 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 36.7% |
The Local Credit Union has the higher TellerScore (92 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Local Credit Union leads on 5 and Christian Financial Credit Union on 2. 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.