Side-by-side · Q2 2026 data
Northern Lights Federal Credit Union vs Northeast Schools and Hospital Credit Union
Credit union
Northern Lights Federal Credit Union
Saint Johnsbury, Vermont · Under $100 million in assets
Credit union
Northeast Schools and Hospital Credit Union
Newport, Vermont · Under $100 million in assets
Metric by metric
| Measure | Northern Lights Federal Credit Union | Northeast Schools and Hospital Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 64 |
| Capital cushion | 93 (stronger) | 39 |
| Loan quality | 90 | 92 (stronger) |
| Earnings | 57 (stronger) | 25 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 75th | 28th |
| Total assets | $42.8M | $5.6M |
| Deposits / shares | $36.2M | $5.1M |
| Capital ratio | 14.34% (stronger) | 8.87% |
| Problem loans | 0.29% | 0.23% (stronger) |
| Net charge-offs | -0.10% (stronger) | 0.22% |
| Return on assets | 0.92% (stronger) | 0.13% |
| Loans ÷ deposits | 80.7% | 57.5% (stronger) |
| Uninsured deposits | 0.6% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Lights Federal Credit Union has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Northern Lights Federal Credit Union leads on 4 and Northeast Schools and Hospital Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.