Side-by-side · Q2 2026 data
Thumb Bank and Trust 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 | Thumb Bank and Trust | Flagship Community Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 44 | 62 (stronger) |
| Loan quality | 99 (stronger) | 90 |
| Earnings | 86 (stronger) | 49 |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 68th | 54th |
| Total assets | $673.3M | $34.8M |
| Deposits / shares | $595.8M | $30.7M |
| Capital ratio | 9.44% | 11.22% (stronger) |
| Problem loans | 0.03% (stronger) | 0.31% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.65% (stronger) | 0.73% |
| Loans ÷ deposits | 69.5% | 54.8% (stronger) |
| Uninsured deposits | 26.4% | 0.0% (stronger) |
| Offices | 13 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Thumb Bank and Trust has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Thumb Bank and Trust leads on 4 and Flagship Community Federal Credit Union on 3. 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.