Side-by-side · Q2 2026 data
Northern Interstate Bank, N. A. vs U.P. State Credit Union
Metric by metric
| Measure | Northern Interstate Bank, N. A. | U.P. State Credit Union |
|---|---|---|
| TellerScore | 65 | 79 (stronger) |
| Capital cushion | 44 | 82 (stronger) |
| Loan quality | 75 (stronger) | 63 |
| Earnings | 55 | 86 (stronger) |
| Funding & liquidity | 89 (stronger) | 84 |
| Problem-loan coverage | 90 (stronger) | 89 |
| Peer percentile | 29th | 76th |
| Total assets | $193.5M | $210.3M |
| Deposits / shares | $170.8M | $181.5M |
| Capital ratio | 9.36% | 13.17% (stronger) |
| Problem loans | 0.75% (stronger) | 1.10% |
| Net charge-offs | 0.02% (stronger) | 0.12% |
| Return on assets | 0.88% | 1.66% (stronger) |
| Loans ÷ deposits | 47.4% (stronger) | 76.2% |
| Uninsured deposits | 25.1% | 0.6% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U.P. State Credit Union has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Northern Interstate Bank, N. A. leads on 3 and U.P. State Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Norway, MI