Side-by-side · Q2 2026 data
Norstate Federal Credit Union vs Truchoice Federal Credit Union
Metric by metric
| Measure | Norstate Federal Credit Union | Truchoice Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 60 (stronger) |
| Capital cushion | 66 (stronger) | 61 |
| Loan quality | 42 | 43 (stronger) |
| Earnings | 40 | 66 (stronger) |
| Funding & liquidity | 81 (stronger) | 71 |
| Problem-loan coverage | 76 (stronger) | 75 |
| Peer percentile | 16th | 21st |
| Total assets | $280.0M | $257.4M |
| Deposits / shares | $244.5M | $231.1M |
| Capital ratio | 11.59% (stronger) | 11.09% |
| Problem loans | 1.74% | 1.72% (stronger) |
| Net charge-offs | 0.15% (stronger) | 0.46% |
| Return on assets | 0.50% | 1.14% (stronger) |
| Loans ÷ deposits | 79.2% (stronger) | 89.7% |
| Uninsured deposits | 14.6% | 7.5% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.4% |
Truchoice Federal Credit Union has the higher TellerScore (60 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Norstate Federal Credit Union leads on 3 and Truchoice Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.