Side-by-side · Q2 2026 data
University Bank vs Michigan Columbus Federal Credit Union
Credit union
Michigan Columbus Federal Credit Union
Livonia, Michigan · Under $100 million in assets
Metric by metric
| Measure | University Bank | Michigan Columbus Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 82 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 86 (stronger) | 66 |
| Earnings | 63 (stronger) | 52 |
| Funding & liquidity | 8 | 100 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 21st | 70th |
| Total assets | $1.2B | $75.0M |
| Deposits / shares | $1.1B | $62.4M |
| Capital ratio | 10.08% | 16.57% (stronger) |
| Problem loans | 0.41% (stronger) | 1.01% |
| Net charge-offs | -0.00% (stronger) | 0.46% |
| Return on assets | 1.08% (stronger) | 0.80% |
| Loans ÷ deposits | 102.7% | 42.3% (stronger) |
| Uninsured deposits | 70.2% | 3.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 0.0% |
Michigan Columbus Federal Credit Union has the higher TellerScore (82 vs 60). On the 7 directional measures above (where higher or lower is clearly better), University Bank leads on 3 and Michigan Columbus Federal Credit Union on 4. 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.