Side-by-side · Q2 2026 data
Farmers & Merchants Bank of North Dakota vs North Star Community Credit Union
Credit union
North Star Community Credit Union
Maddock, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | Farmers & Merchants Bank of North Dakota | North Star Community Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 61 |
| Capital cushion | 60 | 93 (stronger) |
| Loan quality | 76 (stronger) | 4 |
| Earnings | 56 | 67 (stronger) |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 95 (stronger) | 71 |
| Peer percentile | 53rd | 24th |
| Total assets | $119.8M | $464.8M |
| Deposits / shares | $106.9M | $396.8M |
| Capital ratio | 10.99% | 14.31% (stronger) |
| Problem loans | 0.73% (stronger) | 2.87% |
| Net charge-offs | -0.00% (stronger) | 0.44% |
| Return on assets | 0.89% | 1.18% (stronger) |
| Loans ÷ deposits | 43.6% (stronger) | 84.3% |
| Uninsured deposits | 12.3% | 7.3% (stronger) |
| Offices | 3 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers & Merchants Bank of North Dakota has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of North Dakota leads on 4 and North Star Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Tolna, ND