Side-by-side · Q2 2026 data
Northern Communities Credit Union vs Centricity Credit Union
Credit union
Northern Communities Credit Union
Duluth, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Northern Communities Credit Union | Centricity Credit Union |
|---|---|---|
| TellerScore | 52 | 85 (stronger) |
| Capital cushion | 58 | 90 (stronger) |
| Loan quality | 36 | 74 (stronger) |
| Earnings | 42 | 100 (stronger) |
| Funding & liquidity | 67 | 70 (stronger) |
| Problem-loan coverage | 70 | 91 (stronger) |
| Peer percentile | 8th | 87th |
| Total assets | $124.3M | $340.5M |
| Deposits / shares | $108.9M | $277.4M |
| Capital ratio | 10.79% | 13.97% (stronger) |
| Problem loans | 1.92% | 0.79% (stronger) |
| Net charge-offs | 0.55% | 0.46% (stronger) |
| Return on assets | 0.56% | 2.13% (stronger) |
| Loans ÷ deposits | 93.0% | 90.6% (stronger) |
| Uninsured deposits | 3.4% (stronger) | 4.6% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.0% |
Centricity Credit Union has the higher TellerScore (85 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Northern Communities Credit Union leads on 1 and Centricity Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.