Side-by-side · Q2 2026 data
North Shore Bank of Commerce vs Centricity Credit Union
Metric by metric
| Measure | North Shore Bank of Commerce | Centricity Credit Union |
|---|---|---|
| TellerScore | 71 | 85 (stronger) |
| Capital cushion | 37 | 90 (stronger) |
| Loan quality | 95 (stronger) | 74 |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 70 | 70 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 47th | 87th |
| Total assets | $598.5M | $340.5M |
| Deposits / shares | $516.5M | $277.4M |
| Capital ratio | 8.74% | 13.97% (stronger) |
| Problem loans | 0.14% (stronger) | 0.79% |
| Net charge-offs | 0.00% (stronger) | 0.46% |
| Return on assets | 1.56% | 2.13% (stronger) |
| Loans ÷ deposits | 90.7% | 90.6% (stronger) |
| Uninsured deposits | 13.3% | 4.6% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | 13.0% |
Centricity Credit Union has the higher TellerScore (85 vs 71). On the 7 directional measures above (where higher or lower is clearly better), North Shore Bank of Commerce leads on 2 and Centricity Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Duluth, MN
- Hermantown, MN