Side-by-side · Q2 2026 data
Bravera Bank vs Aspire Community Federal Credit Union
Credit union
Aspire Community Federal Credit Union
Minot, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | Bravera Bank | Aspire Community Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 87 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 70 | 86 (stronger) |
| Earnings | 75 | 83 (stronger) |
| Funding & liquidity | 75 (stronger) | 63 |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 44th | 91st |
| Total assets | $3.8B | $181.6M |
| Deposits / shares | $3.3B | $154.9M |
| Capital ratio | 9.73% | 15.59% (stronger) |
| Problem loans | 0.90% | 0.41% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.02% |
| Return on assets | 1.37% | 1.57% (stronger) |
| Loans ÷ deposits | 82.2% (stronger) | 97.5% |
| Uninsured deposits | 17.6% | 10.8% (stronger) |
| Offices | 35 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | 3.3% |
Aspire Community Federal Credit Union has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Bravera Bank leads on 2 and Aspire Community Federal Credit Union on 5. 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.