Side-by-side · Q2 2026 data
University Bank vs West Michigan Community Bank
Metric by metric
| Measure | University Bank | West Michigan Community Bank |
|---|---|---|
| TellerScore | 60 (stronger) | 53 |
| Capital cushion | 51 (stronger) | 42 |
| Loan quality | 86 (stronger) | 53 |
| Earnings | 63 | 78 (stronger) |
| Funding & liquidity | 8 | 29 (stronger) |
| Problem-loan coverage | 93 (stronger) | 69 |
| Peer percentile | 21st | 11th |
| Total assets | $1.2B | $1.2B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 10.08% (stronger) | 9.22% |
| Problem loans | 0.41% (stronger) | 1.40% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.08% | 1.46% (stronger) |
| Loans ÷ deposits | 102.7% | 95.9% (stronger) |
| Uninsured deposits | 70.2% | 46.3% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 7.4% |
University Bank has the higher TellerScore (60 vs 53). On the 7 directional measures above (where higher or lower is clearly better), University Bank leads on 4 and West Michigan Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.