Side-by-side · Q2 2026 data
Minot Area Schools Federal Credit Union vs Area Community Credit Union
Credit union
Minot Area Schools Federal Credit Union
Minot, North Dakota · Under $100 million in assets
Credit union
Area Community Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Minot Area Schools Federal Credit Union | Area Community Credit Union |
|---|---|---|
| TellerScore | 69 | 72 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 98 (stronger) | 49 |
| Earnings | 35 | 41 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 38th | 44th |
| Total assets | $14.8M | $27.7M |
| Deposits / shares | $13.4M | $22.4M |
| Capital ratio | 9.04% | 18.83% (stronger) |
| Problem loans | 0.06% (stronger) | 1.54% |
| Net charge-offs | 0.05% (stronger) | 0.84% |
| Return on assets | 0.36% | 0.52% (stronger) |
| Loans ÷ deposits | 42.3% (stronger) | 75.2% |
| Uninsured deposits | 2.0% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Area Community Credit Union has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Minot Area Schools Federal Credit Union leads on 3 and Area Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.