Side-by-side · Q2 2026 data
The Local Credit Union vs Community Choice Credit Union
Credit union
Community Choice Credit Union
Farmington Hill, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | The Local Credit Union | Community Choice Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 45 |
| Loan quality | 91 (stronger) | 75 |
| Earnings | 74 | 74 |
| Funding & liquidity | 100 (stronger) | 72 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 97th | 47th |
| Total assets | $106.6M | $2.1B |
| Deposits / shares | $89.9M | $1.8B |
| Capital ratio | 16.07% (stronger) | 9.52% |
| Problem loans | 0.26% (stronger) | 0.75% |
| Net charge-offs | 0.42% (stronger) | 0.62% |
| Return on assets | 1.35% | 1.35% (stronger) |
| Loans ÷ deposits | 46.7% (stronger) | 87.3% |
| Uninsured deposits | 7.5% (stronger) | 15.3% |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Local Credit Union has the higher TellerScore (92 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Local Credit Union leads on 6 and Community Choice Credit Union on 1. 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.