Side-by-side · Q2 2026 data
KodaBank vs Area Community Credit Union
Credit union
Area Community Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | KodaBank | Area Community Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 90 (stronger) | 49 |
| Earnings | 87 (stronger) | 41 |
| Funding & liquidity | 63 | 85 (stronger) |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 61st | 44th |
| Total assets | $559.8M | $27.7M |
| Deposits / shares | $483.0M | $22.4M |
| Capital ratio | 10.28% | 18.83% (stronger) |
| Problem loans | 0.30% (stronger) | 1.54% |
| Net charge-offs | -0.00% (stronger) | 0.84% |
| Return on assets | 1.69% (stronger) | 0.52% |
| Loans ÷ deposits | 88.2% | 75.2% (stronger) |
| Uninsured deposits | 23.6% | 0.0% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
KodaBank has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), KodaBank leads on 4 and Area Community 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.