Side-by-side · Q2 2026 data
Midstates Bank, National Association vs North Western Employees Credit Union
Credit union
North Western Employees Credit Union
Council Bluffs, Iowa · Under $100 million in assets
Metric by metric
| Measure | Midstates Bank, National Association | North Western Employees Credit Union |
|---|---|---|
| TellerScore | 79 | 94 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 80 (stronger) | 68 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 75th | 95th |
| Total assets | $653.9M | $10.4M |
| Deposits / shares | $570.2M | $8.1M |
| Capital ratio | 11.60% | 21.35% (stronger) |
| Problem loans | 0.29% | 0.00% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.09% |
| Return on assets | 1.49% (stronger) | 1.19% |
| Loans ÷ deposits | 73.7% | 60.6% (stronger) |
| Uninsured deposits | 30.2% | 1.5% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | — |
North Western Employees Credit Union has the higher TellerScore (94 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Midstates Bank, National Association leads on 2 and North Western Employees 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.