Side-by-side · Q2 2026 data
United Financial Credit Union vs Michigan United Credit Union
Metric by metric
| Measure | United Financial Credit Union | Michigan United Credit Union |
|---|---|---|
| TellerScore | 68 | 76 (stronger) |
| Capital cushion | 57 | 70 (stronger) |
| Loan quality | 66 | 97 (stronger) |
| Earnings | 57 (stronger) | 40 |
| Funding & liquidity | 93 (stronger) | 88 |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 45th | 68th |
| Total assets | $360.1M | $349.3M |
| Deposits / shares | $325.7M | $305.0M |
| Capital ratio | 10.73% | 11.98% (stronger) |
| Problem loans | 1.03% | 0.10% (stronger) |
| Net charge-offs | 0.42% (stronger) | 0.45% |
| Return on assets | 0.92% (stronger) | 0.51% |
| Loans ÷ deposits | 67.0% (stronger) | 72.5% |
| Uninsured deposits | 2.7% (stronger) | 3.9% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.8% | 14.1% |
Michigan United Credit Union has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), United Financial Credit Union leads on 4 and Michigan United Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.