Side-by-side · Q2 2026 data
Northern State Bank vs Northwoods Community Credit Union
Credit union
Northwoods Community Credit Union
Park Falls, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Northern State Bank | Northwoods Community Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 70 |
| Capital cushion | 49 | 59 (stronger) |
| Loan quality | 93 (stronger) | 81 |
| Earnings | 86 (stronger) | 38 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 72nd | 40th |
| Total assets | $330.8M | $93.1M |
| Deposits / shares | $297.1M | $82.3M |
| Capital ratio | 9.92% | 10.86% (stronger) |
| Problem loans | 0.22% (stronger) | 0.58% |
| Net charge-offs | -0.00% (stronger) | 0.23% |
| Return on assets | 1.66% (stronger) | 0.44% |
| Loans ÷ deposits | 52.1% (stronger) | 58.7% |
| Uninsured deposits | 25.1% | 2.7% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Northern State Bank has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Northern State Bank leads on 5 and Northwoods Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Ashland, WI