Side-by-side · Q2 2026 data
Bay Port State Bank vs Northland Area Federal Credit Union
Metric by metric
| Measure | Bay Port State Bank | Northland Area Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 65 |
| Capital cushion | 59 (stronger) | 53 |
| Loan quality | 78 (stronger) | 71 |
| Earnings | 73 (stronger) | 50 |
| Funding & liquidity | 64 | 87 (stronger) |
| Problem-loan coverage | 91 (stronger) | 85 |
| Peer percentile | 47th | 34th |
| Total assets | $153.4M | $714.4M |
| Deposits / shares | $136.1M | $648.9M |
| Capital ratio | 10.89% (stronger) | 10.33% |
| Problem loans | 0.65% (stronger) | 0.88% |
| Net charge-offs | 0.18% (stronger) | 0.20% |
| Return on assets | 1.34% (stronger) | 0.76% |
| Loans ÷ deposits | 95.8% | 73.3% (stronger) |
| Uninsured deposits | 10.6% | 4.5% (stronger) |
| Offices | 4 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bay Port State Bank has the higher TellerScore (71 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Bay Port State Bank leads on 5 and Northland Area Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.