Side-by-side · Q2 2026 data
Nicolet National Bank vs Straits Area Federal Credit Union
Credit union
Straits Area Federal Credit Union
Cheboygan, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Nicolet National Bank | Straits Area Federal Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 59 |
| Capital cushion | 46 | 67 (stronger) |
| Loan quality | 79 (stronger) | 8 |
| Earnings | 67 | 71 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 80 |
| Peer percentile | 46th | 19th |
| Total assets | $15.4B | $132.4M |
| Deposits / shares | $13.0B | $115.6M |
| Capital ratio | 9.64% | 11.74% (stronger) |
| Problem loans | 0.63% (stronger) | 2.77% |
| Net charge-offs | 0.03% (stronger) | 0.33% |
| Return on assets | 1.17% | 1.27% (stronger) |
| Loans ÷ deposits | 86.0% | 46.8% (stronger) |
| Uninsured deposits | 33.2% | 2.8% (stronger) |
| Offices | 110 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
Nicolet National Bank has the higher TellerScore (64 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Nicolet National Bank leads on 3 and Straits Area Federal Credit Union on 4. 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
- Cheboygan, MI