Side-by-side · Q2 2026 data
Northern State Bank of Virginia vs North Star Credit Union
Metric by metric
| Measure | Northern State Bank of Virginia | North Star Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 52 (stronger) | 44 |
| Loan quality | 100 | 100 |
| Earnings | 66 (stronger) | 62 |
| Funding & liquidity | 74 | 74 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 61st | 57th |
| Total assets | $102.0M | $116.0M |
| Deposits / shares | $91.2M | $104.3M |
| Capital ratio | 10.17% (stronger) | 9.38% |
| Problem loans | 0.00% (stronger) | 0.00% |
| Net charge-offs | 0.15% | 0.01% (stronger) |
| Return on assets | 1.15% (stronger) | 1.06% |
| Loans ÷ deposits | 79.2% (stronger) | 86.4% |
| Uninsured deposits | 21.5% | 7.1% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.7% |
Northern State Bank of Virginia has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Northern State Bank of Virginia leads on 5 and North Star Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.