Side-by-side · Q2 2026 data
The Miners State Bank vs Covantage Credit Union
Metric by metric
| Measure | The Miners State Bank | Covantage Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 59 |
| Capital cushion | 72 (stronger) | 48 |
| Loan quality | 100 (stronger) | 57 |
| Earnings | 62 | 67 (stronger) |
| Funding & liquidity | 88 (stronger) | 61 |
| Problem-loan coverage | 96 (stronger) | 77 |
| Peer percentile | 82nd | 22nd |
| Total assets | $134.8M | $4.2B |
| Deposits / shares | $117.6M | $3.5B |
| Capital ratio | 12.19% (stronger) | 9.77% |
| Problem loans | 0.00% (stronger) | 1.28% |
| Net charge-offs | 0.02% (stronger) | 0.23% |
| Return on assets | 1.05% | 1.19% (stronger) |
| Loans ÷ deposits | 72.7% (stronger) | 97.6% |
| Uninsured deposits | 13.3% (stronger) | 16.7% |
| Offices | 5 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.2% |
The Miners State Bank has the higher TellerScore (82 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Miners State Bank leads on 6 and Covantage 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.
Where both have branches
- Iron River, MI