Side-by-side · Q2 2026 data
Northern State Bank of Thief River Falls vs Wings Credit Union
Bank
Northern State Bank of Thief River Falls
Thief River Falls, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Northern State Bank of Thief River Falls | Wings Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 66 |
| Capital cushion | 49 | 68 (stronger) |
| Loan quality | 81 (stronger) | 79 |
| Earnings | 64 (stronger) | 39 |
| Funding & liquidity | 64 (stronger) | 60 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 34th | 60th |
| Total assets | $550.0M | $19.4B |
| Deposits / shares | $499.3M | $16.0B |
| Capital ratio | 9.92% | 11.84% (stronger) |
| Problem loans | 0.57% (stronger) | 0.64% |
| Net charge-offs | 0.00% (stronger) | 0.45% |
| Return on assets | 1.10% (stronger) | 0.47% |
| Loans ÷ deposits | 38.7% (stronger) | 100.5% |
| Uninsured deposits | 47.3% | 8.5% (stronger) |
| Offices | 2 | 88 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern State Bank of Thief River Falls has the higher TellerScore (67 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Northern State Bank of Thief River Falls leads on 5 and Wings Credit Union on 2. 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.
Where both have branches
- Thief River Falls, MN