Side-by-side · Q2 2026 data
The Shelby State Bank vs Family Financial Credit Union
Credit union
Family Financial Credit Union
Norton Shores, Michigan · $100 million – $1 billion
Metric by metric
| Measure | The Shelby State Bank | Family Financial Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 66 |
| Capital cushion | 41 | 61 (stronger) |
| Loan quality | 100 (stronger) | 70 |
| Earnings | 56 (stronger) | 30 |
| Funding & liquidity | 95 | 98 (stronger) |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 53rd | 37th |
| Total assets | $397.0M | $175.6M |
| Deposits / shares | $339.5M | $154.4M |
| Capital ratio | 9.06% | 11.06% (stronger) |
| Problem loans | 0.01% (stronger) | 0.89% |
| Net charge-offs | 0.03% (stronger) | 0.30% |
| Return on assets | 0.90% (stronger) | 0.25% |
| Loans ÷ deposits | 63.6% | 62.1% (stronger) |
| Uninsured deposits | 16.4% | 4.7% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | 33.9% |
The Shelby State Bank has the higher TellerScore (73 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Shelby State Bank leads on 4 and Family Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hart, MI