Side-by-side · Q2 2026 data
Warren Municipal Federal Credit Union vs United Churches 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 | United Churches Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 67 |
| Capital cushion | 46 | 53 (stronger) |
| Loan quality | 93 (stronger) | 64 |
| Earnings | 48 | 55 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 42nd | 34th |
| Total assets | $22.1M | $21.9M |
| Deposits / shares | $19.9M | $19.5M |
| Capital ratio | 9.59% | 10.28% (stronger) |
| Problem loans | 0.20% (stronger) | 1.08% |
| Net charge-offs | -0.02% (stronger) | 0.25% |
| Return on assets | 0.70% | 0.86% (stronger) |
| Loans ÷ deposits | 45.4% | 25.4% (stronger) |
| Uninsured deposits | 0.2% (stronger) | 6.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Warren Municipal Federal Credit Union has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Warren Municipal Federal Credit Union leads on 4 and United Churches Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.