Side-by-side · Q2 2026 data
Mascoma Bank vs Northern Lights Federal Credit Union
Credit union
Northern Lights Federal Credit Union
Saint Johnsbury, Vermont · Under $100 million in assets
Metric by metric
| Measure | Mascoma Bank | Northern Lights Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 84 (stronger) |
| Capital cushion | 41 | 93 (stronger) |
| Loan quality | 95 (stronger) | 90 |
| Earnings | 40 | 57 (stronger) |
| Funding & liquidity | 65 | 80 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 33rd | 75th |
| Total assets | $3.0B | $42.8M |
| Deposits / shares | $2.6B | $36.2M |
| Capital ratio | 9.09% | 14.34% (stronger) |
| Problem loans | 0.15% (stronger) | 0.29% |
| Net charge-offs | 0.01% | -0.10% (stronger) |
| Return on assets | 0.50% | 0.92% (stronger) |
| Loans ÷ deposits | 95.1% | 80.7% (stronger) |
| Uninsured deposits | 13.6% | 0.6% (stronger) |
| Offices | 26 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Lights Federal Credit Union has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Mascoma Bank leads on 1 and Northern Lights Federal Credit Union on 6. 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.