Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs Rock Community Federal Credit Union
Credit union
Rock Community Federal Credit Union
Rock, Michigan · Under $100 million in assets
Metric by metric
| Measure | Upper Peninsula State Bank | Rock Community Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 69 |
| Capital cushion | 84 (stronger) | 37 |
| Loan quality | 64 | 99 (stronger) |
| Earnings | 76 (stronger) | 41 |
| Funding & liquidity | 45 | 100 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 50th | 38th |
| Total assets | $371.7M | $9.1M |
| Deposits / shares | $303.6M | $8.3M |
| Capital ratio | 13.42% (stronger) | 8.69% |
| Problem loans | 1.09% | 0.04% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.41% (stronger) | 0.52% |
| Loans ÷ deposits | 100.5% | 36.0% (stronger) |
| Uninsured deposits | 28.5% | 4.1% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Upper Peninsula State Bank has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 4 and Rock Community Federal Credit Union on 3. 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.