Side-by-side · Q2 2026 data
Northern Sts Pwr Company Emp Federal Credit Union vs Area Community Credit Union
Credit union
Northern Sts Pwr Company Emp Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Credit union
Area Community Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Northern Sts Pwr Company Emp Federal Credit Union | Area Community Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 72 |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 100 (stronger) | 49 |
| Earnings | 59 (stronger) | 41 |
| Funding & liquidity | 85 | 85 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 57th | 44th |
| Total assets | $1.5M | $27.7M |
| Deposits / shares | $1.3M | $22.4M |
| Capital ratio | 10.83% | 18.83% (stronger) |
| Problem loans | 0.00% (stronger) | 1.54% |
| Net charge-offs | 0.00% (stronger) | 0.84% |
| Return on assets | 0.98% (stronger) | 0.52% |
| Loans ÷ deposits | 75.5% | 75.2% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Sts Pwr Company Emp Federal Credit Union has the higher TellerScore (77 vs 72). On the 6 directional measures above (where higher or lower is clearly better), Northern Sts Pwr Company Emp Federal Credit Union leads on 4 and Area Community 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.