Side-by-side · Q2 2026 data
United Federal Credit Union vs Dowagiac Area Federal Credit Union
Credit union
Dowagiac Area Federal Credit Union
Dowagiac, Michigan · Under $100 million in assets
Metric by metric
| Measure | United Federal Credit Union | Dowagiac Area Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 80 (stronger) |
| Capital cushion | 69 (stronger) | 61 |
| Loan quality | 76 | 84 (stronger) |
| Earnings | 80 | 80 |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 75th | 65th |
| Total assets | $4.4B | $26.0M |
| Deposits / shares | $3.7B | $23.1M |
| Capital ratio | 11.94% (stronger) | 11.14% |
| Problem loans | 0.71% | 0.49% (stronger) |
| Net charge-offs | 0.61% | 0.10% (stronger) |
| Return on assets | 1.50% (stronger) | 1.49% |
| Loans ÷ deposits | 88.4% | 52.8% (stronger) |
| Uninsured deposits | 18.0% | 5.1% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Dowagiac Area Federal Credit Union has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), United Federal Credit Union leads on 2 and Dowagiac Area Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.