Side-by-side · Q2 2026 data
U.P. State Credit Union vs Michigan Legacy Credit Union
Metric by metric
| Measure | U.P. State Credit Union | Michigan Legacy Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 75 |
| Capital cushion | 82 (stronger) | 74 |
| Loan quality | 63 | 85 (stronger) |
| Earnings | 86 (stronger) | 41 |
| Funding & liquidity | 84 | 93 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 76th | 66th |
| Total assets | $210.3M | $226.8M |
| Deposits / shares | $181.5M | $198.5M |
| Capital ratio | 13.17% (stronger) | 12.45% |
| Problem loans | 1.10% | 0.46% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.68% |
| Return on assets | 1.66% (stronger) | 0.52% |
| Loans ÷ deposits | 76.2% | 67.6% (stronger) |
| Uninsured deposits | 0.6% (stronger) | 4.4% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.4% |
U.P. State Credit Union has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), U.P. State Credit Union leads on 5 and Michigan Legacy Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.