Side-by-side · Q2 2026 data
University of Michigan Credit Union vs DFCU Financial Credit Union
Credit union
University of Michigan Credit Union
Ann Arbor, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | University of Michigan Credit Union | DFCU Financial Credit Union |
|---|---|---|
| TellerScore | 61 | 82 (stronger) |
| Capital cushion | 61 | 76 (stronger) |
| Loan quality | 73 | 79 (stronger) |
| Earnings | 36 | 81 (stronger) |
| Funding & liquidity | 57 | 94 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 27th | 91st |
| Total assets | $1.5B | $8.0B |
| Deposits / shares | $1.1B | $7.2B |
| Capital ratio | 11.08% | 12.63% (stronger) |
| Problem loans | 0.82% | 0.63% (stronger) |
| Net charge-offs | 0.62% | 0.08% (stronger) |
| Return on assets | 0.41% | 1.52% (stronger) |
| Loans ÷ deposits | 103.3% | 43.0% (stronger) |
| Uninsured deposits | 10.6% (stronger) | 21.0% |
| Offices | 6 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | — |
DFCU Financial Credit Union has the higher TellerScore (82 vs 61). On the 7 directional measures above (where higher or lower is clearly better), University of Michigan Credit Union leads on 1 and DFCU Financial Credit Union on 6. 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.