Side-by-side · Q2 2026 data
United Bank of Michigan vs Arbor Financial Credit Union
Metric by metric
| Measure | United Bank of Michigan | Arbor Financial Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 55 |
| Capital cushion | 56 | 56 |
| Loan quality | 98 (stronger) | 40 |
| Earnings | 71 (stronger) | 53 |
| Funding & liquidity | 58 | 71 (stronger) |
| Problem-loan coverage | 99 (stronger) | 74 |
| Peer percentile | 74th | 12th |
| Total assets | $1.1B | $899.0M |
| Deposits / shares | $892.7M | $770.6M |
| Capital ratio | 10.61% | 10.62% (stronger) |
| Problem loans | 0.06% (stronger) | 1.81% |
| Net charge-offs | -0.00% (stronger) | 0.19% |
| Return on assets | 1.29% (stronger) | 0.83% |
| Loans ÷ deposits | 95.8% | 88.9% (stronger) |
| Uninsured deposits | 20.7% | 7.5% (stronger) |
| Offices | 13 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 6.5% |
United Bank of Michigan has the higher TellerScore (74 vs 55). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Michigan leads on 4 and Arbor Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.