Side-by-side · Q2 2026 data
Thumb Bank and Trust vs Health Advantage Federal Credit Union
Credit union
Health Advantage Federal Credit Union
Saginaw, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Thumb Bank and Trust | Health Advantage Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 82 (stronger) |
| Capital cushion | 44 | 84 (stronger) |
| Loan quality | 99 (stronger) | 89 |
| Earnings | 86 (stronger) | 56 |
| Funding & liquidity | 78 | 88 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 68th | 82nd |
| Total assets | $673.3M | $179.3M |
| Deposits / shares | $595.8M | $155.5M |
| Capital ratio | 9.44% | 13.40% (stronger) |
| Problem loans | 0.03% (stronger) | 0.33% |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 1.65% (stronger) | 0.91% |
| Loans ÷ deposits | 69.5% (stronger) | 72.7% |
| Uninsured deposits | 26.4% | 5.1% (stronger) |
| Offices | 13 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | 2.8% |
Health Advantage Federal Credit Union has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Thumb Bank and Trust leads on 4 and Health Advantage Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.