Side-by-side · Q2 2026 data
Thumb Bank and Trust vs Team One Credit Union
Metric by metric
| Measure | Thumb Bank and Trust | Team One Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 66 |
| Capital cushion | 44 | 49 (stronger) |
| Loan quality | 99 (stronger) | 79 |
| Earnings | 86 (stronger) | 51 |
| Funding & liquidity | 78 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 68th | 37th |
| Total assets | $673.3M | $765.9M |
| Deposits / shares | $595.8M | $680.5M |
| Capital ratio | 9.44% | 9.88% (stronger) |
| Problem loans | 0.03% (stronger) | 0.64% |
| Net charge-offs | 0.00% (stronger) | 0.39% |
| Return on assets | 1.65% (stronger) | 0.78% |
| Loans ÷ deposits | 69.5% (stronger) | 75.5% |
| Uninsured deposits | 26.4% | 7.8% (stronger) |
| Offices | 13 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | 9.9% |
Thumb Bank and Trust has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Thumb Bank and Trust leads on 5 and Team One Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bad Axe, MI
- Bay City, MI
- Sandusky, MI