Side-by-side · Q2 2026 data
Walled Lake Schools Federal Credit Union vs Breakwater Federal Credit Union
Credit union
Walled Lake Schools Federal Credit Union
Wolverine Lake, Michigan · $100 million – $1 billion
Credit union
Breakwater Federal Credit Union
Houghton, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Walled Lake Schools Federal Credit Union | Breakwater Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 92 (stronger) |
| Capital cushion | 96 (stronger) | 87 |
| Loan quality | 50 | 89 (stronger) |
| Earnings | 75 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 80th | 97th |
| Total assets | $138.4M | $138.2M |
| Deposits / shares | $119.0M | $118.9M |
| Capital ratio | 14.58% (stronger) | 13.68% |
| Problem loans | 1.50% | 0.32% (stronger) |
| Net charge-offs | 0.33% | 0.12% (stronger) |
| Return on assets | 1.37% | 2.13% (stronger) |
| Loans ÷ deposits | 26.0% (stronger) | 69.7% |
| Uninsured deposits | 2.7% | 0.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Breakwater Federal Credit Union has the higher TellerScore (92 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Walled Lake Schools Federal Credit Union leads on 2 and Breakwater Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.