Side-by-side · Q2 2026 data
Walled Lake Schools Federal Credit Union vs Straits Area Federal Credit Union
Credit union
Walled Lake Schools Federal Credit Union
Wolverine Lake, Michigan · $100 million – $1 billion
Credit union
Straits Area Federal Credit Union
Cheboygan, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Walled Lake Schools Federal Credit Union | Straits Area Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 59 |
| Capital cushion | 96 (stronger) | 67 |
| Loan quality | 50 (stronger) | 8 |
| Earnings | 75 (stronger) | 71 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 (stronger) | 80 |
| Peer percentile | 80th | 19th |
| Total assets | $138.4M | $132.4M |
| Deposits / shares | $119.0M | $115.6M |
| Capital ratio | 14.58% (stronger) | 11.74% |
| Problem loans | 1.50% (stronger) | 2.77% |
| Net charge-offs | 0.33% (stronger) | 0.33% |
| Return on assets | 1.37% (stronger) | 1.27% |
| Loans ÷ deposits | 26.0% (stronger) | 46.8% |
| Uninsured deposits | 2.7% (stronger) | 2.8% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Walled Lake Schools Federal Credit Union has the higher TellerScore (81 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Walled Lake Schools Federal Credit Union leads on 7 and Straits Area Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.