Side-by-side · Q2 2026 data
Alden State Bank vs Northwest Consumers Federal Credit Union
Credit union
Northwest Consumers Federal Credit Union
Traverse City, Michigan · Under $100 million in assets
Metric by metric
| Measure | Alden State Bank | Northwest Consumers Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 77 |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 91 (stronger) | 37 |
| Earnings | 91 (stronger) | 68 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 90th | 57th |
| Total assets | $318.4M | $25.1M |
| Deposits / shares | $276.4M | $19.8M |
| Capital ratio | 12.71% | 19.47% (stronger) |
| Problem loans | 0.26% (stronger) | 1.88% |
| Net charge-offs | 0.03% (stronger) | 0.97% |
| Return on assets | 1.77% (stronger) | 1.20% |
| Loans ÷ deposits | 69.1% | 60.4% (stronger) |
| Uninsured deposits | 24.5% | 0.0% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alden State Bank has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Alden State Bank leads on 4 and Northwest Consumers Federal Credit Union on 3. 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.