Side-by-side · Q2 2026 data
North Shore Bank vs Winnebago Community Credit Union
Credit union
Winnebago Community Credit Union
Oshkosh, Wisconsin · $100 million – $1 billion
Metric by metric
| Measure | North Shore Bank | Winnebago Community Credit Union |
|---|---|---|
| TellerScore | 84 | 85 (stronger) |
| Capital cushion | 94 (stronger) | 88 |
| Loan quality | 97 (stronger) | 96 |
| Earnings | 61 | 63 (stronger) |
| Funding & liquidity | 66 | 78 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 95th | 87th |
| Total assets | $2.6B | $176.1M |
| Deposits / shares | $2.2B | $150.8M |
| Capital ratio | 14.45% (stronger) | 13.75% |
| Problem loans | 0.10% (stronger) | 0.13% |
| Net charge-offs | 0.02% (stronger) | 0.09% |
| Return on assets | 1.02% | 1.06% (stronger) |
| Loans ÷ deposits | 94.5% | 81.9% (stronger) |
| Uninsured deposits | 11.8% | 9.1% (stronger) |
| Offices | 42 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.8% | — |
Winnebago Community Credit Union has the higher TellerScore (85 vs 84). On the 7 directional measures above (where higher or lower is clearly better), North Shore Bank leads on 3 and Winnebago Community 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.