Side-by-side · Q2 2026 data
Cobalt Federal Credit Union vs North Western Employees Credit Union
Credit union
North Western Employees Credit Union
Council Bluffs, Iowa · Under $100 million in assets
Metric by metric
| Measure | Cobalt Federal Credit Union | North Western Employees Credit Union |
|---|---|---|
| TellerScore | 60 | 94 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 55 | 68 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 25th | 95th |
| Total assets | $1.3B | $10.4M |
| Deposits / shares | $1.1B | $8.1M |
| Capital ratio | 9.15% | 21.35% (stronger) |
| Problem loans | 0.80% | 0.00% (stronger) |
| Net charge-offs | 1.00% | 0.09% (stronger) |
| Return on assets | 0.87% | 1.19% (stronger) |
| Loans ÷ deposits | 94.7% | 60.6% (stronger) |
| Uninsured deposits | 7.2% | 1.5% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Western Employees Credit Union has the higher TellerScore (94 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Cobalt Federal Credit Union leads on 0 and North Western Employees Credit Union on 7. 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.