Side-by-side · Q2 2026 data
The Miners State Bank vs Breakwater Federal Credit Union
Credit union
Breakwater Federal Credit Union
Houghton, Michigan · $100 million – $1 billion
Metric by metric
| Measure | The Miners State Bank | Breakwater Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 92 (stronger) |
| Capital cushion | 72 | 87 (stronger) |
| Loan quality | 100 (stronger) | 89 |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 88 | 91 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 82nd | 97th |
| Total assets | $134.8M | $138.2M |
| Deposits / shares | $117.6M | $118.9M |
| Capital ratio | 12.19% | 13.68% (stronger) |
| Problem loans | 0.00% (stronger) | 0.32% |
| Net charge-offs | 0.02% (stronger) | 0.12% |
| Return on assets | 1.05% | 2.13% (stronger) |
| Loans ÷ deposits | 72.7% | 69.7% (stronger) |
| Uninsured deposits | 13.3% | 0.6% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Breakwater Federal Credit Union has the higher TellerScore (92 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The Miners State Bank leads on 2 and Breakwater Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Houghton, MI