Side-by-side · Q2 2026 data
North Shore Federal Credit Union vs Minnesota Valley Federal Credit Union
Credit union
Minnesota Valley Federal Credit Union
Mankato, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | North Shore Federal Credit Union | Minnesota Valley Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 78 (stronger) | 65 |
| Loan quality | 89 (stronger) | 81 |
| Earnings | 44 | 63 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 63rd | 71st |
| Total assets | $284.8M | $329.0M |
| Deposits / shares | $246.7M | $289.7M |
| Capital ratio | 12.77% (stronger) | 11.48% |
| Problem loans | 0.33% (stronger) | 0.56% |
| Net charge-offs | 0.06% (stronger) | 0.11% |
| Return on assets | 0.59% | 1.06% (stronger) |
| Loans ÷ deposits | 91.9% | 58.1% (stronger) |
| Uninsured deposits | 5.9% | 4.6% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.3% | 5.2% |
Minnesota Valley Federal Credit Union has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), North Shore Federal Credit Union leads on 3 and Minnesota Valley Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.