Side-by-side · Q2 2026 data
Alerus Financial, National Association vs Members1st Community Credit Union
Bank
Alerus Financial, National Association
Grand Forks, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Alerus Financial, National Association | Members1st Community Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 59 |
| Capital cushion | 43 | 45 (stronger) |
| Loan quality | 91 (stronger) | 71 |
| Earnings | 91 (stronger) | 37 |
| Funding & liquidity | 43 | 83 (stronger) |
| Problem-loan coverage | 94 (stronger) | 83 |
| Peer percentile | 58th | 19th |
| Total assets | $5.3B | $311.1M |
| Deposits / shares | $4.2B | $278.8M |
| Capital ratio | 9.26% | 9.54% (stronger) |
| Problem loans | 0.26% (stronger) | 0.88% |
| Net charge-offs | 0.47% (stronger) | 0.80% |
| Return on assets | 1.78% (stronger) | 0.42% |
| Loans ÷ deposits | 94.7% | 77.3% (stronger) |
| Uninsured deposits | 35.1% | 4.0% (stronger) |
| Offices | 24 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | 8.4% |
Alerus Financial, National Association has the higher TellerScore (70 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Alerus Financial, National Association leads on 4 and Members1st Community 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.