Side-by-side · Q2 2026 data
Tri-County 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 | Tri-County Bank | Flagship Community Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 86 (stronger) | 62 |
| Loan quality | 57 | 90 (stronger) |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 72nd | 54th |
| Total assets | $638.6M | $34.8M |
| Deposits / shares | $545.6M | $30.7M |
| Capital ratio | 13.56% (stronger) | 11.22% |
| Problem loans | 1.30% | 0.31% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.01% |
| Return on assets | 2.31% (stronger) | 0.73% |
| Loans ÷ deposits | 93.3% | 54.8% (stronger) |
| Uninsured deposits | 18.7% | 0.0% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | — |
Tri-County Bank has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Tri-County Bank 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.