Side-by-side · Q2 2026 data
Brainerd B. N. Credit Union vs Northern Communities Credit Union
Credit union
Northern Communities Credit Union
Duluth, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Brainerd B. N. Credit Union | Northern Communities Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 52 |
| Capital cushion | 58 | 58 |
| Loan quality | 94 (stronger) | 36 |
| Earnings | 38 | 42 (stronger) |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 94 (stronger) | 70 |
| Peer percentile | 60th | 8th |
| Total assets | $127.8M | $124.3M |
| Deposits / shares | $113.5M | $108.9M |
| Capital ratio | 10.76% | 10.79% (stronger) |
| Problem loans | 0.17% (stronger) | 1.92% |
| Net charge-offs | 0.01% (stronger) | 0.55% |
| Return on assets | 0.46% | 0.56% (stronger) |
| Loans ÷ deposits | 56.0% (stronger) | 93.0% |
| Uninsured deposits | 4.5% | 3.4% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Brainerd B. N. Credit Union has the higher TellerScore (73 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Brainerd B. N. Credit Union leads on 4 and Northern Communities Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.