Side-by-side · Q2 2026 data
Forest Area Federal Credit Union vs North Central Area Credit Union
Credit union
North Central Area Credit Union
Houghton Lake, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Forest Area Federal Credit Union | North Central Area Credit Union |
|---|---|---|
| TellerScore | 71 | 72 (stronger) |
| Capital cushion | 78 (stronger) | 66 |
| Loan quality | 36 | 68 (stronger) |
| Earnings | 87 (stronger) | 74 |
| Funding & liquidity | 89 (stronger) | 75 |
| Problem-loan coverage | 81 | 88 (stronger) |
| Peer percentile | 54th | 57th |
| Total assets | $318.3M | $271.7M |
| Deposits / shares | $277.8M | $240.0M |
| Capital ratio | 12.76% (stronger) | 11.55% |
| Problem loans | 1.92% | 0.95% (stronger) |
| Net charge-offs | 0.97% | 0.29% (stronger) |
| Return on assets | 1.69% (stronger) | 1.36% |
| Loans ÷ deposits | 71.5% (stronger) | 85.2% |
| Uninsured deposits | 3.5% | 3.5% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.1% |
North Central Area Credit Union has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Forest Area Federal Credit Union leads on 3 and North Central Area Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.