Side-by-side · Q2 2026 data
North Central Area Credit Union vs Advantage One Credit Union
Credit union
North Central Area Credit Union
Houghton Lake, Michigan · $100 million – $1 billion
Metric by metric
| Measure | North Central Area Credit Union | Advantage One Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 71 |
| Capital cushion | 66 | 68 (stronger) |
| Loan quality | 68 | 72 (stronger) |
| Earnings | 74 (stronger) | 66 |
| Funding & liquidity | 75 (stronger) | 68 |
| Problem-loan coverage | 88 | 88 |
| Peer percentile | 57th | 54th |
| Total assets | $271.7M | $268.1M |
| Deposits / shares | $240.0M | $237.1M |
| Capital ratio | 11.55% | 11.78% (stronger) |
| Problem loans | 0.95% | 0.84% (stronger) |
| Net charge-offs | 0.29% (stronger) | 0.87% |
| Return on assets | 1.36% (stronger) | 1.16% |
| Loans ÷ deposits | 85.2% (stronger) | 92.0% |
| Uninsured deposits | 3.5% | 2.9% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | — |
North Central Area Credit Union has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), North Central Area Credit Union leads on 4 and Advantage One Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.