Side-by-side · Q2 2026 data
West Michigan Community Bank vs Aac Credit Union
Metric by metric
| Measure | West Michigan Community Bank | Aac Credit Union |
|---|---|---|
| TellerScore | 53 | 90 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 53 | 88 (stronger) |
| Earnings | 78 | 78 |
| Funding & liquidity | 29 | 85 (stronger) |
| Problem-loan coverage | 69 | 98 (stronger) |
| Peer percentile | 11th | 95th |
| Total assets | $1.2B | $212.4M |
| Deposits / shares | $1.1B | $158.1M |
| Capital ratio | 9.22% | 24.16% (stronger) |
| Problem loans | 1.40% | 0.36% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 1.46% | 1.46% (stronger) |
| Loans ÷ deposits | 95.9% | 75.1% (stronger) |
| Uninsured deposits | 46.3% | 5.3% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 12.5% |
Aac Credit Union has the higher TellerScore (90 vs 53). On the 7 directional measures above (where higher or lower is clearly better), West Michigan Community Bank leads on 1 and Aac Credit Union on 6. 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.
Where both have branches
- Grand Rapids, MI
- Holland, MI
- Zeeland, MI