Side-by-side · Q2 2026 data
Northern State Bank of Virginia vs Northridge Community Credit Union
Credit union
Northridge Community Credit Union
Virginia, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Northern State Bank of Virginia | Northridge Community Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 65 |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 66 | 100 (stronger) |
| Funding & liquidity | 74 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 53 |
| Peer percentile | 61st | 34th |
| Total assets | $102.0M | $113.0M |
| Deposits / shares | $91.2M | $94.3M |
| Capital ratio | 10.17% | 15.60% (stronger) |
| Problem loans | 0.00% (stronger) | 4.18% |
| Net charge-offs | 0.15% (stronger) | 0.93% |
| Return on assets | 1.15% | 2.05% (stronger) |
| Loans ÷ deposits | 79.2% (stronger) | 94.6% |
| Uninsured deposits | 21.5% | 0.2% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern State Bank of Virginia has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Northern State Bank of Virginia leads on 4 and Northridge Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.