Side-by-side · Q2 2026 data
Northern Hills Federal Credit Union vs Aspen Federal Credit Union
Credit union
Northern Hills Federal Credit Union
Sturgis, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Northern Hills Federal Credit Union | Aspen Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 63 |
| Capital cushion | 46 (stronger) | 34 |
| Loan quality | 90 (stronger) | 86 |
| Earnings | 52 | 67 (stronger) |
| Funding & liquidity | 66 (stronger) | 62 |
| Problem-loan coverage | 93 (stronger) | 86 |
| Peer percentile | 37th | 29th |
| Total assets | $204.9M | $173.0M |
| Deposits / shares | $183.2M | $152.7M |
| Capital ratio | 9.57% (stronger) | 8.44% |
| Problem loans | 0.29% (stronger) | 0.43% |
| Net charge-offs | 0.40% | 0.33% (stronger) |
| Return on assets | 0.79% | 1.17% (stronger) |
| Loans ÷ deposits | 94.4% (stronger) | 98.4% |
| Uninsured deposits | 9.5% | 3.9% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | — |
Northern Hills Federal Credit Union has the higher TellerScore (66 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Northern Hills Federal Credit Union leads on 4 and Aspen Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.