Side-by-side · Q2 2026 data
North State Bank vs Summit Credit Union
Metric by metric
| Measure | North State Bank | Summit Credit Union |
|---|---|---|
| TellerScore | 61 | 82 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 94 (stronger) | 76 |
| Earnings | 52 | 56 (stronger) |
| Funding & liquidity | 49 | 82 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 24th | 82nd |
| Total assets | $1.5B | $368.8M |
| Deposits / shares | $1.2B | $298.4M |
| Capital ratio | 8.50% | 15.44% (stronger) |
| Problem loans | 0.17% (stronger) | 0.71% |
| Net charge-offs | -0.03% (stronger) | 1.22% |
| Return on assets | 0.79% | 0.91% (stronger) |
| Loans ÷ deposits | 94.2% | 78.3% (stronger) |
| Uninsured deposits | 30.9% | 11.0% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
Summit Credit Union has the higher TellerScore (82 vs 61). On the 7 directional measures above (where higher or lower is clearly better), North State Bank leads on 2 and Summit Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.