Side-by-side · Q2 2026 data
West Michigan Postal Service Federal Credit Union vs Wmcu 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 | Wmcu Credit Union |
|---|---|---|
| TellerScore | 65 | 84 (stronger) |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 20 | 69 (stronger) |
| Earnings | 74 (stronger) | 64 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 76 | 94 (stronger) |
| Peer percentile | 30th | 86th |
| Total assets | $7.1M | $455.3M |
| Deposits / shares | $6.1M | $373.3M |
| Capital ratio | 13.67% | 17.32% (stronger) |
| Problem loans | 2.41% | 0.92% (stronger) |
| Net charge-offs | 0.70% (stronger) | 0.98% |
| Return on assets | 1.34% (stronger) | 1.11% |
| Loans ÷ deposits | 83.6% | 55.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.2% |
| Offices | 1 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wmcu Credit Union has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), West Michigan Postal Service Federal Credit Union leads on 3 and Wmcu 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.