Side-by-side · Q2 2026 data
Merchants Bank vs North Star Community Credit Union
Credit union
North Star Community Credit Union
Maddock, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | Merchants Bank | North Star Community Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 61 |
| Capital cushion | 56 | 93 (stronger) |
| Loan quality | 58 (stronger) | 4 |
| Earnings | 80 (stronger) | 67 |
| Funding & liquidity | 65 | 76 (stronger) |
| Problem-loan coverage | 83 (stronger) | 71 |
| Peer percentile | 29th | 24th |
| Total assets | $254.3M | $464.8M |
| Deposits / shares | $223.4M | $396.8M |
| Capital ratio | 10.56% | 14.31% (stronger) |
| Problem loans | 1.25% (stronger) | 2.87% |
| Net charge-offs | 0.08% (stronger) | 0.44% |
| Return on assets | 1.50% (stronger) | 1.18% |
| Loans ÷ deposits | 84.3% (stronger) | 84.3% |
| Uninsured deposits | 24.9% | 7.3% (stronger) |
| Offices | 4 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merchants Bank has the higher TellerScore (65 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank leads on 5 and North Star Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Rugby, ND