Side-by-side · Q2 2026 data
North Shore Federal Credit Union vs Duluth Police Department Employees Credit Union
Credit union
Duluth Police Department Employees Credit Union
Duluth, Minnesota · Under $100 million in assets
Metric by metric
| Measure | North Shore Federal Credit Union | Duluth Police Department Employees Credit Union |
|---|---|---|
| TellerScore | 74 | 91 (stronger) |
| Capital cushion | 78 | 100 (stronger) |
| Loan quality | 89 (stronger) | 86 |
| Earnings | 44 | 80 (stronger) |
| Funding & liquidity | 68 | 93 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 63rd | 90th |
| Total assets | $284.8M | $7.8M |
| Deposits / shares | $246.7M | $6.0M |
| Capital ratio | 12.77% | 22.84% (stronger) |
| Problem loans | 0.33% (stronger) | 0.41% |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 0.59% | 1.49% (stronger) |
| Loans ÷ deposits | 91.9% | 67.5% (stronger) |
| Uninsured deposits | 5.9% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.3% | — |
Duluth Police Department Employees Credit Union has the higher TellerScore (91 vs 74). On the 7 directional measures above (where higher or lower is clearly better), North Shore Federal Credit Union leads on 1 and Duluth Police Department Employees Credit Union on 6. 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.