Side-by-side · Q2 2026 data
Four Points Federal Credit Union vs North Western Employees Credit Union
Credit union
North Western Employees Credit Union
Council Bluffs, Iowa · Under $100 million in assets
Metric by metric
| Measure | Four Points Federal Credit Union | North Western Employees Credit Union |
|---|---|---|
| TellerScore | 33 | 94 (stronger) |
| Capital cushion | 0 | 100 (stronger) |
| Loan quality | 59 | 100 (stronger) |
| Earnings | 0 | 68 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 55 | 100 (stronger) |
| Peer percentile | 1st | 95th |
| Total assets | $165.5M | $10.4M |
| Deposits / shares | $132.2M | $8.1M |
| Capital ratio | 3.57% | 21.35% (stronger) |
| Problem loans | 1.24% | 0.00% (stronger) |
| Net charge-offs | 6.04% | 0.09% (stronger) |
| Return on assets | -7.07% | 1.19% (stronger) |
| Loans ÷ deposits | 77.6% | 60.6% (stronger) |
| Uninsured deposits | 6.8% | 1.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Western Employees Credit Union has the higher TellerScore (94 vs 33). On the 7 directional measures above (where higher or lower is clearly better), Four Points Federal Credit Union leads on 0 and North Western Employees Credit Union on 7. 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.