Side-by-side · Q2 2026 data
Lake-Osceola State Bank vs Northland Area Federal Credit Union
Metric by metric
| Measure | Lake-Osceola State Bank | Northland Area Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 65 |
| Capital cushion | 75 (stronger) | 53 |
| Loan quality | 92 (stronger) | 71 |
| Earnings | 84 (stronger) | 50 |
| Funding & liquidity | 87 | 87 |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 88th | 34th |
| Total assets | $469.4M | $714.4M |
| Deposits / shares | $403.4M | $648.9M |
| Capital ratio | 12.53% (stronger) | 10.33% |
| Problem loans | 0.24% (stronger) | 0.88% |
| Net charge-offs | 0.16% (stronger) | 0.20% |
| Return on assets | 1.60% (stronger) | 0.76% |
| Loans ÷ deposits | 62.4% (stronger) | 73.3% |
| Uninsured deposits | 24.8% | 4.5% (stronger) |
| Offices | 12 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lake-Osceola State Bank has the higher TellerScore (85 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Lake-Osceola State Bank leads on 6 and Northland Area Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Evart, MI
- Reed City, MI