Side-by-side · Q2 2026 data
Warren Municipal Federal Credit Union vs The Local Credit Union
Credit union
Warren Municipal Federal Credit Union
Warren, Michigan · Under $100 million in assets
Metric by metric
| Measure | Warren Municipal Federal Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 71 | 92 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 93 (stronger) | 91 |
| Earnings | 48 | 74 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 42nd | 97th |
| Total assets | $22.1M | $106.6M |
| Deposits / shares | $19.9M | $89.9M |
| Capital ratio | 9.59% | 16.07% (stronger) |
| Problem loans | 0.20% (stronger) | 0.26% |
| Net charge-offs | -0.02% (stronger) | 0.42% |
| Return on assets | 0.70% | 1.35% (stronger) |
| Loans ÷ deposits | 45.4% (stronger) | 46.7% |
| Uninsured deposits | 0.2% (stronger) | 7.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Local Credit Union has the higher TellerScore (92 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Warren Municipal Federal Credit Union leads on 4 and The Local Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.