Side-by-side · Q2 2026 data
KodaBank vs University Federal Credit Union
Credit union
University Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | KodaBank | University Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 91 (stronger) |
| Capital cushion | 53 | 94 (stronger) |
| Loan quality | 90 (stronger) | 76 |
| Earnings | 87 | 100 (stronger) |
| Funding & liquidity | 63 | 94 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 61st | 90th |
| Total assets | $559.8M | $46.1M |
| Deposits / shares | $483.0M | $39.3M |
| Capital ratio | 10.28% | 14.44% (stronger) |
| Problem loans | 0.30% (stronger) | 0.72% |
| Net charge-offs | -0.00% (stronger) | 0.38% |
| Return on assets | 1.69% | 2.14% (stronger) |
| Loans ÷ deposits | 88.2% | 66.0% (stronger) |
| Uninsured deposits | 23.6% | 5.8% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
University Federal Credit Union has the higher TellerScore (91 vs 75). On the 7 directional measures above (where higher or lower is clearly better), KodaBank leads on 2 and University Federal Credit Union on 5. 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.