Side-by-side · Q2 2026 data
North Central Bank vs Smartchoice Credit Union
Metric by metric
| Measure | North Central Bank | Smartchoice Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 74 |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 91 (stronger) | 64 |
| Earnings | 73 (stronger) | 43 |
| Funding & liquidity | 86 (stronger) | 66 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 82nd | 49th |
| Total assets | $165.9M | $787K |
| Deposits / shares | $144.7M | $548K |
| Capital ratio | 12.26% | 30.27% (stronger) |
| Problem loans | 0.26% (stronger) | 1.07% |
| Net charge-offs | -0.00% | -0.72% (stronger) |
| Return on assets | 1.33% (stronger) | 0.56% |
| Loans ÷ deposits | 58.5% (stronger) | 93.8% |
| Uninsured deposits | 27.6% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Central Bank has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), North Central Bank leads on 4 and Smartchoice Credit Union on 3. 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.