Side-by-side · Q2 2026 data
Nicolet National Bank vs U.P. State Credit Union
Metric by metric
| Measure | Nicolet National Bank | U.P. State Credit Union |
|---|---|---|
| TellerScore | 64 | 79 (stronger) |
| Capital cushion | 46 | 82 (stronger) |
| Loan quality | 79 (stronger) | 63 |
| Earnings | 67 | 86 (stronger) |
| Funding & liquidity | 54 | 84 (stronger) |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 46th | 76th |
| Total assets | $15.4B | $210.3M |
| Deposits / shares | $13.0B | $181.5M |
| Capital ratio | 9.64% | 13.17% (stronger) |
| Problem loans | 0.63% (stronger) | 1.10% |
| Net charge-offs | 0.03% (stronger) | 0.12% |
| Return on assets | 1.17% | 1.66% (stronger) |
| Loans ÷ deposits | 86.0% | 76.2% (stronger) |
| Uninsured deposits | 33.2% | 0.6% (stronger) |
| Offices | 110 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
U.P. State Credit Union has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Nicolet National Bank leads on 2 and U.P. State 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.