This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
HOUGHTON, MI
Health score
93.2
Total assets
$138.4M
Credit union
Adrian, MI
Health score
77.5
Total assets
$143.6M
Answer first
BREAKWATER leads on financial health and capitalization and profitability; LENCO leads on lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
BREAKWATER
Higher TFS health score
Capitalization
BREAKWATER
Higher comparable capital ratio
Profitability
BREAKWATER
Higher return on assets
Lending quality
LENCO
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | BREAKWATER | LENCO |
|---|---|---|
| TFS health score | 93.2/100Leads | 77.5/100 |
| Total assets | $138.4M | $143.6M |
| Total deposits / shares | $120.2M | $125.3M |
| Net worth ratio | 13.33%Leads | 11.98% |
| Return on assets | 2.17%Leads | 1.08% |
| Return on equity | 16.93%Leads |
BREAKWATER
1 branches
LENCO
2 branches
Both institutions report branches in 1 state: MI.
BREAKWATER
Unavailable
LENCO
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
BREAKWATER
0 in TFS registry
LENCO
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 8.98% |
| 60+ day delinquency | 0.37% | 0.16%Leads |
| Net charge-offs | 0.19% | 0.02%Leads |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 66.59% | 62.47% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 1 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |