Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs Iron Mountain Kingsford Community Federal Credit Union
Credit union
Iron Mountain Kingsford Community Federal Credit Union
Kingsford, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Upper Peninsula State Bank | Iron Mountain Kingsford Community Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 96 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 64 | 94 (stronger) |
| Earnings | 76 | 86 (stronger) |
| Funding & liquidity | 45 | 100 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 50th | 99th |
| Total assets | $371.7M | $149.4M |
| Deposits / shares | $303.6M | $121.8M |
| Capital ratio | 13.42% | 17.86% (stronger) |
| Problem loans | 1.09% | 0.18% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.22% |
| Return on assets | 1.41% | 1.66% (stronger) |
| Loans ÷ deposits | 100.5% | 28.6% (stronger) |
| Uninsured deposits | 28.5% | 1.9% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Iron Mountain Kingsford Community Federal Credit Union has the higher TellerScore (96 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 1 and Iron Mountain Kingsford Community Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.