Side-by-side · Q2 2026 data
First State Bank vs Northern Valley Federal Credit Union
Credit union
Northern Valley Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | First State Bank | Northern Valley Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 48 | 83 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 40 | 90 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 61st | 75th |
| Total assets | $424.2M | $20.3M |
| Deposits / shares | $371.9M | $17.5M |
| Capital ratio | 9.83% | 13.25% (stronger) |
| Problem loans | 0.00% (stronger) | 0.04% |
| Net charge-offs | 0.14% (stronger) | 0.28% |
| Return on assets | 2.08% (stronger) | 0.89% |
| Loans ÷ deposits | 104.4% | 69.9% (stronger) |
| Uninsured deposits | 28.8% | 3.5% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Northern Valley Federal Credit Union has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Northern Valley Federal 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.