Side-by-side · Q2 2026 data
United Bank of Michigan vs Michigan One Community Credit Union
Metric by metric
| Measure | United Bank of Michigan | Michigan One Community Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 68 |
| Capital cushion | 56 (stronger) | 52 |
| Loan quality | 98 (stronger) | 77 |
| Earnings | 71 (stronger) | 63 |
| Funding & liquidity | 58 | 77 (stronger) |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 74th | 45th |
| Total assets | $1.1B | $240.2M |
| Deposits / shares | $892.7M | $211.5M |
| Capital ratio | 10.61% (stronger) | 10.18% |
| Problem loans | 0.06% (stronger) | 0.68% |
| Net charge-offs | -0.00% (stronger) | 0.10% |
| Return on assets | 1.29% (stronger) | 1.07% |
| Loans ÷ deposits | 95.8% | 83.5% (stronger) |
| Uninsured deposits | 20.7% | 5.5% (stronger) |
| Offices | 13 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 10.1% |
United Bank of Michigan has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Michigan leads on 5 and Michigan One Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.