Side-by-side · Q2 2026 data
United Bay Community Credit Union vs North Central Area Credit Union
Credit union
North Central Area Credit Union
Houghton Lake, Michigan · $100 million – $1 billion
Metric by metric
| Measure | United Bay Community Credit Union | North Central Area Credit Union |
|---|---|---|
| TellerScore | 55 | 72 (stronger) |
| Capital cushion | 25 | 66 (stronger) |
| Loan quality | 80 (stronger) | 68 |
| Earnings | 40 | 74 (stronger) |
| Funding & liquidity | 71 | 75 (stronger) |
| Problem-loan coverage | 87 | 88 (stronger) |
| Peer percentile | 12th | 57th |
| Total assets | $301.7M | $271.7M |
| Deposits / shares | $276.1M | $240.0M |
| Capital ratio | 7.54% | 11.55% (stronger) |
| Problem loans | 0.60% (stronger) | 0.95% |
| Net charge-offs | 0.28% (stronger) | 0.29% |
| Return on assets | 0.50% | 1.36% (stronger) |
| Loans ÷ deposits | 89.7% | 85.2% (stronger) |
| Uninsured deposits | 0.9% (stronger) | 3.5% |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | 3.1% |
North Central Area Credit Union has the higher TellerScore (72 vs 55). On the 7 directional measures above (where higher or lower is clearly better), United Bay Community Credit Union leads on 3 and North Central Area Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.