Side-by-side · Q2 2026 data
Wayne-Westland Federal Credit Union vs Michigan Legacy Credit Union
Metric by metric
| Measure | Wayne-Westland Federal Credit Union | Michigan Legacy Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 75 |
| Capital cushion | 63 | 74 (stronger) |
| Loan quality | 84 | 85 (stronger) |
| Earnings | 92 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 83rd | 66th |
| Total assets | $161.2M | $226.8M |
| Deposits / shares | $146.2M | $198.5M |
| Capital ratio | 11.26% | 12.45% (stronger) |
| Problem loans | 0.47% | 0.46% (stronger) |
| Net charge-offs | 0.38% (stronger) | 0.68% |
| Return on assets | 1.81% (stronger) | 0.52% |
| Loans ÷ deposits | 50.4% (stronger) | 67.6% |
| Uninsured deposits | 4.1% (stronger) | 4.4% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.4% |
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 5 and Michigan Legacy Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.