Side-by-side · Q2 2026 data
West Shore Bank vs Family Financial Credit Union
Credit union
Family Financial Credit Union
Norton Shores, Michigan · $100 million – $1 billion
Metric by metric
| Measure | West Shore Bank | Family Financial Credit Union |
|---|---|---|
| TellerScore | 56 | 66 (stronger) |
| Capital cushion | 48 | 61 (stronger) |
| Loan quality | 59 | 70 (stronger) |
| Earnings | 53 (stronger) | 30 |
| Funding & liquidity | 56 | 98 (stronger) |
| Problem-loan coverage | 81 | 91 (stronger) |
| Peer percentile | 13th | 37th |
| Total assets | $833.6M | $175.6M |
| Deposits / shares | $720.2M | $154.4M |
| Capital ratio | 9.85% | 11.06% (stronger) |
| Problem loans | 1.24% | 0.89% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.30% |
| Return on assets | 0.83% (stronger) | 0.25% |
| Loans ÷ deposits | 90.7% | 62.1% (stronger) |
| Uninsured deposits | 27.3% | 4.7% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 33.9% |
Family Financial Credit Union has the higher TellerScore (66 vs 56). On the 7 directional measures above (where higher or lower is clearly better), West Shore Bank leads on 2 and Family Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hart, MI