Side-by-side · Q2 2026 data
Northern State Bank of Thief River Falls vs Red Lake Co Op Federal Credit Union
Bank
Northern State Bank of Thief River Falls
Thief River Falls, Minnesota · $100 million – $1 billion
Credit union
Red Lake Co Op Federal Credit Union
Red Lake Falls, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Northern State Bank of Thief River Falls | Red Lake Co Op Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 74 (stronger) |
| Capital cushion | 49 | 79 (stronger) |
| Loan quality | 81 | 100 (stronger) |
| Earnings | 64 (stronger) | 20 |
| Funding & liquidity | 64 | 78 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 34th | 49th |
| Total assets | $550.0M | $7.0M |
| Deposits / shares | $499.3M | $6.1M |
| Capital ratio | 9.92% | 12.88% (stronger) |
| Problem loans | 0.57% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.10% (stronger) | 0.01% |
| Loans ÷ deposits | 38.7% (stronger) | 81.8% |
| Uninsured deposits | 47.3% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Red Lake Co Op Federal Credit Union has the higher TellerScore (74 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Northern State Bank of Thief River Falls leads on 3 and Red Lake Co Op Federal Credit Union on 4. 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.