Side-by-side · Q2 2026 data
U.P. State Credit Union vs Soo Co-Op Credit Union
Metric by metric
| Measure | U.P. State Credit Union | Soo Co-Op Credit Union |
|---|---|---|
| TellerScore | 79 | 88 (stronger) |
| Capital cushion | 82 | 87 (stronger) |
| Loan quality | 63 | 89 (stronger) |
| Earnings | 86 (stronger) | 76 |
| Funding & liquidity | 84 | 95 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 76th | 92nd |
| Total assets | $210.3M | $324.4M |
| Deposits / shares | $181.5M | $281.4M |
| Capital ratio | 13.17% | 13.67% (stronger) |
| Problem loans | 1.10% | 0.32% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.20% |
| Return on assets | 1.66% (stronger) | 1.41% |
| Loans ÷ deposits | 76.2% | 64.8% (stronger) |
| Uninsured deposits | 0.6% (stronger) | 0.6% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Soo Co-Op Credit Union has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), U.P. State Credit Union leads on 3 and Soo Co-Op Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Sault Sainte Marie, MI
- Cedarville, MI
- Kincheloe, MI