Side-by-side · Q2 2026 data
Cornerstone State Bank vs Northwoods Credit Union
Metric by metric
| Measure | Cornerstone State Bank | Northwoods Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 71 |
| Capital cushion | 56 (stronger) | 49 |
| Loan quality | 73 | 84 (stronger) |
| Earnings | 80 (stronger) | 74 |
| Funding & liquidity | 93 (stronger) | 75 |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 57th | 54th |
| Total assets | $247.0M | $175.2M |
| Deposits / shares | $223.9M | $154.7M |
| Capital ratio | 10.60% (stronger) | 9.93% |
| Problem loans | 0.80% | 0.49% (stronger) |
| Net charge-offs | -0.84% (stronger) | 0.50% |
| Return on assets | 1.49% (stronger) | 1.35% |
| Loans ÷ deposits | 67.1% (stronger) | 85.2% |
| Uninsured deposits | 11.3% | 1.5% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
Cornerstone State Bank has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone State Bank leads on 5 and Northwoods Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cloquet, MN