Side-by-side · Q2 2026 data
Northern Lights Federal Credit Union vs Orlex Government Employees Credit Union
Credit union
Northern Lights Federal Credit Union
Saint Johnsbury, Vermont · Under $100 million in assets
Credit union
Orlex Government Employees Credit Union
Newport, Vermont · Under $100 million in assets
Metric by metric
| Measure | Northern Lights Federal Credit Union | Orlex Government Employees Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 45 |
| Capital cushion | 93 (stronger) | 50 |
| Loan quality | 90 (stronger) | 46 |
| Earnings | 57 (stronger) | 3 |
| Funding & liquidity | 80 (stronger) | 70 |
| Problem-loan coverage | 97 (stronger) | 74 |
| Peer percentile | 75th | 5th |
| Total assets | $42.8M | $6.9M |
| Deposits / shares | $36.2M | $6.2M |
| Capital ratio | 14.34% (stronger) | 10.02% |
| Problem loans | 0.29% (stronger) | 1.63% |
| Net charge-offs | -0.10% (stronger) | -0.01% |
| Return on assets | 0.92% (stronger) | -0.42% |
| Loans ÷ deposits | 80.7% (stronger) | 90.7% |
| Uninsured deposits | 0.6% | 0.3% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Lights Federal Credit Union has the higher TellerScore (84 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Northern Lights Federal Credit Union leads on 6 and Orlex Government Employees Credit Union on 1. 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.