Side-by-side · Q2 2026 data
Northern Sts Pwr Company Emp Federal Credit Union vs Riverfork Federal Credit Union
Credit union
Northern Sts Pwr Company Emp Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Credit union
Riverfork Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Northern Sts Pwr Company Emp Federal Credit Union | Riverfork Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 78 (stronger) |
| Capital cushion | 58 | 89 (stronger) |
| Loan quality | 100 (stronger) | 77 |
| Earnings | 59 (stronger) | 39 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 57th | 59th |
| Total assets | $1.5M | $31.2M |
| Deposits / shares | $1.3M | $26.7M |
| Capital ratio | 10.83% | 13.91% (stronger) |
| Problem loans | 0.00% (stronger) | 0.70% |
| Net charge-offs | 0.00% (stronger) | 0.34% |
| Return on assets | 0.98% (stronger) | 0.48% |
| Loans ÷ deposits | 75.5% | 45.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.3% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Riverfork Federal Credit Union has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Northern Sts Pwr Company Emp Federal Credit Union leads on 4 and Riverfork Federal Credit Union on 3. 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.