Side-by-side · Q2 2026 data
West Michigan Community Bank vs Preferred Credit Union
Metric by metric
| Measure | West Michigan Community Bank | Preferred Credit Union |
|---|---|---|
| TellerScore | 53 | 87 (stronger) |
| Capital cushion | 42 | 93 (stronger) |
| Loan quality | 53 | 88 (stronger) |
| Earnings | 78 (stronger) | 64 |
| Funding & liquidity | 29 | 100 (stronger) |
| Problem-loan coverage | 69 | 97 (stronger) |
| Peer percentile | 11th | 91st |
| Total assets | $1.2B | $318.1M |
| Deposits / shares | $1.1B | $270.6M |
| Capital ratio | 9.22% | 14.25% (stronger) |
| Problem loans | 1.40% | 0.37% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.47% |
| Return on assets | 1.46% (stronger) | 1.11% |
| Loans ÷ deposits | 95.9% | 58.2% (stronger) |
| Uninsured deposits | 46.3% | 3.1% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 14.6% |
Preferred Credit Union has the higher TellerScore (87 vs 53). On the 7 directional measures above (where higher or lower is clearly better), West Michigan Community Bank leads on 2 and Preferred Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.