Side-by-side · Q2 2026 data
Aspire Community Federal Credit Union vs Minot Area Schools Federal Credit Union
Credit union
Aspire Community Federal Credit Union
Minot, North Dakota · $100 million – $1 billion
Credit union
Minot Area Schools Federal Credit Union
Minot, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Aspire Community Federal Credit Union | Minot Area Schools Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 86 | 98 (stronger) |
| Earnings | 83 (stronger) | 35 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 91st | 38th |
| Total assets | $181.6M | $14.8M |
| Deposits / shares | $154.9M | $13.4M |
| Capital ratio | 15.59% (stronger) | 9.04% |
| Problem loans | 0.41% | 0.06% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.05% |
| Return on assets | 1.57% (stronger) | 0.36% |
| Loans ÷ deposits | 97.5% | 42.3% (stronger) |
| Uninsured deposits | 10.8% | 2.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Aspire Community Federal Credit Union has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Aspire Community Federal Credit Union leads on 4 and Minot Area Schools 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.