Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs Great Lakes First Federal Credit Union
Credit union
Great Lakes First Federal Credit Union
Escanaba, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Upper Peninsula State Bank | Great Lakes First Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 66 |
| Capital cushion | 84 (stronger) | 53 |
| Loan quality | 64 (stronger) | 62 |
| Earnings | 76 (stronger) | 51 |
| Funding & liquidity | 45 | 100 (stronger) |
| Problem-loan coverage | 87 | 91 (stronger) |
| Peer percentile | 50th | 37th |
| Total assets | $371.7M | $105.4M |
| Deposits / shares | $303.6M | $96.2M |
| Capital ratio | 13.42% (stronger) | 10.32% |
| Problem loans | 1.09% (stronger) | 1.15% |
| Net charge-offs | -0.00% (stronger) | 0.33% |
| Return on assets | 1.41% (stronger) | 0.77% |
| Loans ÷ deposits | 100.5% | 44.0% (stronger) |
| Uninsured deposits | 28.5% | 5.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Upper Peninsula State Bank has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 5 and Great Lakes First Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.