Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs U.P. State Credit Union
Metric by metric
| Measure | Upper Peninsula State Bank | U.P. State Credit Union |
|---|---|---|
| TellerScore | 72 | 79 (stronger) |
| Capital cushion | 84 (stronger) | 82 |
| Loan quality | 64 (stronger) | 63 |
| Earnings | 76 | 86 (stronger) |
| Funding & liquidity | 45 | 84 (stronger) |
| Problem-loan coverage | 87 | 89 (stronger) |
| Peer percentile | 50th | 76th |
| Total assets | $371.7M | $210.3M |
| Deposits / shares | $303.6M | $181.5M |
| Capital ratio | 13.42% (stronger) | 13.17% |
| Problem loans | 1.09% (stronger) | 1.10% |
| Net charge-offs | -0.00% (stronger) | 0.12% |
| Return on assets | 1.41% | 1.66% (stronger) |
| Loans ÷ deposits | 100.5% | 76.2% (stronger) |
| Uninsured deposits | 28.5% | 0.6% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U.P. State Credit Union has the higher TellerScore (79 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 3 and U.P. State Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.