Side-by-side · Q2 2026 data
Nicolet National Bank vs Integra First Federal Credit Union
Metric by metric
| Measure | Nicolet National Bank | Integra First Federal Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 56 |
| Capital cushion | 46 (stronger) | 40 |
| Loan quality | 79 (stronger) | 67 |
| Earnings | 67 (stronger) | 27 |
| Funding & liquidity | 54 | 89 (stronger) |
| Problem-loan coverage | 94 (stronger) | 85 |
| Peer percentile | 46th | 13th |
| Total assets | $15.4B | $135.4M |
| Deposits / shares | $13.0B | $122.8M |
| Capital ratio | 9.64% (stronger) | 9.03% |
| Problem loans | 0.63% (stronger) | 0.99% |
| Net charge-offs | 0.03% (stronger) | 0.45% |
| Return on assets | 1.17% (stronger) | 0.17% |
| Loans ÷ deposits | 86.0% | 71.4% (stronger) |
| Uninsured deposits | 33.2% | 6.4% (stronger) |
| Offices | 110 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
Nicolet National Bank has the higher TellerScore (64 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Nicolet National Bank leads on 5 and Integra First Federal Credit Union on 2. 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.
Where both have branches
- Stephenson, MI