Side-by-side · Q2 2026 data
The Port Austin State Bank vs Flagship Community Federal Credit Union
Credit union
Flagship Community Federal Credit Union
Port Huron, Michigan · Under $100 million in assets
Metric by metric
| Measure | The Port Austin State Bank | Flagship Community Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 93 (stronger) | 49 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 97th | 54th |
| Total assets | $67.8M | $34.8M |
| Deposits / shares | $54.6M | $30.7M |
| Capital ratio | 18.44% (stronger) | 11.22% |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.83% (stronger) | 0.73% |
| Loans ÷ deposits | 83.6% | 54.8% (stronger) |
| Uninsured deposits | 7.9% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Port Austin State Bank has the higher TellerScore (95 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Port Austin State Bank leads on 5 and Flagship Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.