Side-by-side · Q2 2026 data
Wayne-Westland Federal Credit Union vs Michigan Educational Credit Union
Metric by metric
| Measure | Wayne-Westland Federal Credit Union | Michigan Educational Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 75 |
| Capital cushion | 63 | 67 (stronger) |
| Loan quality | 84 | 90 (stronger) |
| Earnings | 92 (stronger) | 40 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 83rd | 75th |
| Total assets | $161.2M | $1.1B |
| Deposits / shares | $146.2M | $987.0M |
| Capital ratio | 11.26% | 11.70% (stronger) |
| Problem loans | 0.47% | 0.29% (stronger) |
| Net charge-offs | 0.38% | 0.16% (stronger) |
| Return on assets | 1.81% (stronger) | 0.49% |
| Loans ÷ deposits | 50.4% | 48.9% (stronger) |
| Uninsured deposits | 4.1% (stronger) | 4.8% |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wayne-Westland Federal Credit Union has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Wayne-Westland Federal Credit Union leads on 3 and Michigan Educational Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.