Side-by-side · Q2 2026 data
West Michigan Postal Service Federal Credit Union vs Westacres Credit Union
Credit union
West Michigan Postal Service Federal Credit Union
Muskegon, Michigan · Under $100 million in assets
Metric by metric
| Measure | West Michigan Postal Service Federal Credit Union | Westacres Credit Union |
|---|---|---|
| TellerScore | 65 | 82 (stronger) |
| Capital cushion | 87 (stronger) | 85 |
| Loan quality | 20 | 100 (stronger) |
| Earnings | 74 (stronger) | 31 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 76 | 100 (stronger) |
| Peer percentile | 30th | 70th |
| Total assets | $7.1M | $7.1M |
| Deposits / shares | $6.1M | $6.0M |
| Capital ratio | 13.67% (stronger) | 13.47% |
| Problem loans | 2.41% | 0.00% (stronger) |
| Net charge-offs | 0.70% | 0.00% (stronger) |
| Return on assets | 1.34% (stronger) | 0.28% |
| Loans ÷ deposits | 83.6% | 19.0% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Westacres Credit Union has the higher TellerScore (82 vs 65). On the 6 directional measures above (where higher or lower is clearly better), West Michigan Postal Service Federal Credit Union leads on 2 and Westacres Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.