Side-by-side · Q2 2026 data
Northern Lights Community Federal Credit Union vs Rock Community Federal Credit Union
Credit union
Northern Lights Community Federal Credit Union
Chatham, Michigan · Under $100 million in assets
Credit union
Rock Community Federal Credit Union
Rock, Michigan · Under $100 million in assets
Metric by metric
| Measure | Northern Lights Community Federal Credit Union | Rock Community Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 69 |
| Capital cushion | 48 (stronger) | 37 |
| Loan quality | 44 | 99 (stronger) |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 40th | 38th |
| Total assets | $12.9M | $9.1M |
| Deposits / shares | $11.6M | $8.3M |
| Capital ratio | 9.75% (stronger) | 8.69% |
| Problem loans | 1.67% | 0.04% (stronger) |
| Net charge-offs | -0.08% (stronger) | 0.00% |
| Return on assets | 2.14% (stronger) | 0.52% |
| Loans ÷ deposits | 29.3% (stronger) | 36.0% |
| Uninsured deposits | 0.0% (stronger) | 4.1% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Lights Community Federal Credit Union has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Northern Lights Community Federal Credit Union leads on 6 and Rock Community Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.