Side-by-side · Q2 2026 data
First National Bank North vs Brainerd B. N. Credit Union
Metric by metric
| Measure | First National Bank North | Brainerd B. N. Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 73 |
| Capital cushion | 71 (stronger) | 58 |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 100 (stronger) | 38 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 88th | 60th |
| Total assets | $864.3M | $127.8M |
| Deposits / shares | $756.3M | $113.5M |
| Capital ratio | 12.14% (stronger) | 10.76% |
| Problem loans | 0.23% | 0.17% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 2.54% (stronger) | 0.46% |
| Loans ÷ deposits | 84.1% | 56.0% (stronger) |
| Uninsured deposits | 17.1% | 4.5% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank North has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First National Bank North leads on 3 and Brainerd B. N. Credit Union on 4. 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.