Side-by-side · Q2 2026 data
Alerus Financial, National Association vs University Federal Credit Union
Bank
Alerus Financial, National Association
Grand Forks, North Dakota · $1 billion – $10 billion
Credit union
University Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Alerus Financial, National Association | University Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 91 (stronger) |
| Capital cushion | 43 | 94 (stronger) |
| Loan quality | 91 (stronger) | 76 |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 43 | 94 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 58th | 90th |
| Total assets | $5.3B | $46.1M |
| Deposits / shares | $4.2B | $39.3M |
| Capital ratio | 9.26% | 14.44% (stronger) |
| Problem loans | 0.26% (stronger) | 0.72% |
| Net charge-offs | 0.47% | 0.38% (stronger) |
| Return on assets | 1.78% | 2.14% (stronger) |
| Loans ÷ deposits | 94.7% | 66.0% (stronger) |
| Uninsured deposits | 35.1% | 5.8% (stronger) |
| Offices | 24 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
University Federal Credit Union has the higher TellerScore (91 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Alerus Financial, National Association leads on 1 and University 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.