Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs Forward Financial Credit Union
Metric by metric
| Measure | Upper Peninsula State Bank | Forward Financial Credit Union |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 84 | 85 (stronger) |
| Loan quality | 64 | 74 (stronger) |
| Earnings | 76 (stronger) | 36 |
| Funding & liquidity | 45 | 97 (stronger) |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 50th | 52nd |
| Total assets | $371.7M | $85.9M |
| Deposits / shares | $303.6M | $73.5M |
| Capital ratio | 13.42% | 13.53% (stronger) |
| Problem loans | 1.09% | 0.79% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.15% |
| Return on assets | 1.41% (stronger) | 0.40% |
| Loans ÷ deposits | 100.5% | 63.2% (stronger) |
| Uninsured deposits | 28.5% | 1.2% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Forward Financial Credit Union has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 2 and Forward Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.