Side-by-side · Q2 2026 data
Gerber 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 | Gerber Federal Credit Union | North Central Area Credit Union |
|---|---|---|
| TellerScore | 67 | 72 (stronger) |
| Capital cushion | 52 | 66 (stronger) |
| Loan quality | 70 (stronger) | 68 |
| Earnings | 50 | 74 (stronger) |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 90 (stronger) | 88 |
| Peer percentile | 41st | 57th |
| Total assets | $259.5M | $271.7M |
| Deposits / shares | $233.0M | $240.0M |
| Capital ratio | 10.19% | 11.55% (stronger) |
| Problem loans | 0.89% (stronger) | 0.95% |
| Net charge-offs | 0.54% | 0.29% (stronger) |
| Return on assets | 0.74% | 1.36% (stronger) |
| Loans ÷ deposits | 60.5% (stronger) | 85.2% |
| Uninsured deposits | 2.5% (stronger) | 3.5% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.2% | 3.1% |
North Central Area Credit Union has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Gerber 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.