Side-by-side · Q2 2026 data
Horizon Bank vs North Central Area Credit Union
Credit union
North Central Area Credit Union
Houghton Lake, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Horizon Bank | North Central Area Credit Union |
|---|---|---|
| TellerScore | 72 | 72 |
| Capital cushion | 55 | 66 (stronger) |
| Loan quality | 77 (stronger) | 68 |
| Earnings | 90 (stronger) | 74 |
| Funding & liquidity | 58 | 75 (stronger) |
| Problem-loan coverage | 91 (stronger) | 88 |
| Peer percentile | 66th | 57th |
| Total assets | $6.5B | $271.7M |
| Deposits / shares | $5.5B | $240.0M |
| Capital ratio | 10.52% | 11.55% (stronger) |
| Problem loans | 0.70% (stronger) | 0.95% |
| Net charge-offs | 0.05% (stronger) | 0.29% |
| Return on assets | 1.75% (stronger) | 1.36% |
| Loans ÷ deposits | 89.7% | 85.2% (stronger) |
| Uninsured deposits | 26.2% | 3.5% (stronger) |
| Offices | 74 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.7% | 3.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Horizon Bank leads on 3 and North Central Area Credit Union on 3. 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.
Where both have branches
- Houghton Lake, MI
- Grayling, MI
- Kalamazoo, MI
- Standish, MI