Side-by-side · Q2 2026 data
Adams Bank & Trust vs Northern Colorado Credit Union
Metric by metric
| Measure | Adams Bank & Trust | Northern Colorado Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 64 |
| Capital cushion | 91 (stronger) | 59 |
| Loan quality | 82 (stronger) | 64 |
| Earnings | 73 (stronger) | 33 |
| Funding & liquidity | 69 | 97 (stronger) |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 93rd | 28th |
| Total assets | $1.3B | $76.3M |
| Deposits / shares | $1.1B | $67.9M |
| Capital ratio | 14.11% (stronger) | 10.85% |
| Problem loans | 0.55% (stronger) | 1.08% |
| Net charge-offs | 0.02% (stronger) | 0.21% |
| Return on assets | 1.32% (stronger) | 0.33% |
| Loans ÷ deposits | 82.4% | 63.7% (stronger) |
| Uninsured deposits | 23.0% | 12.8% (stronger) |
| Offices | 23 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | 13.0% |
Adams Bank & Trust has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Adams Bank & Trust leads on 5 and Northern Colorado Credit Union on 2. 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.
Where both have branches
- Berthoud, CO
- Greeley, CO