Side-by-side · Q2 2026 data
Carpenters Federal Credit Union vs Nsp Credit Union
Credit union
Carpenters Federal Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Carpenters Federal Credit Union | Nsp Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 67 |
| Capital cushion | 100 | 100 |
| Loan quality | 66 (stronger) | 59 |
| Earnings | 74 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 80th | 34th |
| Total assets | $44.3M | $35.1M |
| Deposits / shares | $37.6M | $27.1M |
| Capital ratio | 16.03% | 20.93% (stronger) |
| Problem loans | 1.01% (stronger) | 1.22% |
| Net charge-offs | 0.06% (stronger) | 0.58% |
| Return on assets | 1.35% (stronger) | -0.56% |
| Loans ÷ deposits | 50.7% (stronger) | 76.1% |
| Uninsured deposits | 2.6% | 1.1% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carpenters Federal Credit Union has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Carpenters Federal Credit Union leads on 5 and Nsp Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.