Side-by-side · Q2 2026 data
North Shore Federal Credit Union vs St. Paul Federal Credit Union
Metric by metric
| Measure | North Shore Federal Credit Union | St. Paul Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 78 | 79 (stronger) |
| Loan quality | 89 | 93 (stronger) |
| Earnings | 44 | 46 (stronger) |
| Funding & liquidity | 68 (stronger) | 67 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 63rd | 68th |
| Total assets | $284.8M | $252.1M |
| Deposits / shares | $246.7M | $215.2M |
| Capital ratio | 12.77% | 12.93% (stronger) |
| Problem loans | 0.33% | 0.20% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.22% |
| Return on assets | 0.59% | 0.66% (stronger) |
| Loans ÷ deposits | 91.9% (stronger) | 92.7% |
| Uninsured deposits | 5.9% (stronger) | 15.5% |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.3% | 7.5% |
St. Paul Federal Credit Union has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), North Shore Federal Credit Union leads on 3 and St. Paul Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.