Side-by-side · Q2 2026 data
Byron Bank vs First Northern Credit Union
Metric by metric
| Measure | Byron Bank | First Northern Credit Union |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 52 | 63 (stronger) |
| Loan quality | 57 | 76 (stronger) |
| Earnings | 100 (stronger) | 97 |
| Funding & liquidity | 74 | 79 (stronger) |
| Problem-loan coverage | 81 | 91 (stronger) |
| Peer percentile | 40th | 74th |
| Total assets | $384.4M | $333.2M |
| Deposits / shares | $338.1M | $288.2M |
| Capital ratio | 10.23% | 11.31% (stronger) |
| Problem loans | 1.28% | 0.71% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.18% |
| Return on assets | 2.07% (stronger) | 1.93% |
| Loans ÷ deposits | 74.5% (stronger) | 80.9% |
| Uninsured deposits | 25.3% | 4.0% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 11.9% |
First Northern Credit Union has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Byron Bank leads on 3 and First Northern Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.