Side-by-side · Q2 2026 data
Alerus Financial, National Association vs Lennox Employees Credit Union
Bank
Alerus Financial, National Association
Grand Forks, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Alerus Financial, National Association | Lennox Employees Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 55 |
| Capital cushion | 43 (stronger) | 36 |
| Loan quality | 91 (stronger) | 70 |
| Earnings | 91 (stronger) | 19 |
| Funding & liquidity | 43 | 96 (stronger) |
| Problem-loan coverage | 94 (stronger) | 88 |
| Peer percentile | 58th | 15th |
| Total assets | $5.3B | $73.4M |
| Deposits / shares | $4.2B | $66.7M |
| Capital ratio | 9.26% (stronger) | 8.55% |
| Problem loans | 0.26% (stronger) | 0.89% |
| Net charge-offs | 0.47% (stronger) | 0.62% |
| Return on assets | 1.78% (stronger) | -0.04% |
| Loans ÷ deposits | 94.7% | 64.2% (stronger) |
| Uninsured deposits | 35.1% | 4.2% (stronger) |
| Offices | 24 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
Alerus Financial, National Association has the higher TellerScore (70 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Alerus Financial, National Association leads on 5 and Lennox Employees 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.