Side-by-side · Q2 2026 data
Alerus Financial, National Association vs Northern Valley Federal Credit Union
Bank
Alerus Financial, National Association
Grand Forks, North Dakota · $1 billion – $10 billion
Credit union
Northern Valley Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Alerus Financial, National Association | Northern Valley Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 84 (stronger) |
| Capital cushion | 43 | 83 (stronger) |
| Loan quality | 91 | 99 (stronger) |
| Earnings | 91 (stronger) | 55 |
| Funding & liquidity | 43 | 90 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 58th | 75th |
| Total assets | $5.3B | $20.3M |
| Deposits / shares | $4.2B | $17.5M |
| Capital ratio | 9.26% | 13.25% (stronger) |
| Problem loans | 0.26% | 0.04% (stronger) |
| Net charge-offs | 0.47% | 0.28% (stronger) |
| Return on assets | 1.78% (stronger) | 0.89% |
| Loans ÷ deposits | 94.7% | 69.9% (stronger) |
| Uninsured deposits | 35.1% | 3.5% (stronger) |
| Offices | 24 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
Northern Valley Federal Credit Union has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Alerus Financial, National Association leads on 1 and Northern Valley Federal Credit Union on 6. 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.