Side-by-side · Q2 2026 data
Northern Valley Federal Credit Union vs Minot Area Schools Federal Credit Union
Credit union
Northern Valley Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Credit union
Minot Area Schools Federal Credit Union
Minot, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Northern Valley Federal Credit Union | Minot Area Schools Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 69 |
| Capital cushion | 83 (stronger) | 40 |
| Loan quality | 99 (stronger) | 98 |
| Earnings | 55 (stronger) | 35 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 75th | 38th |
| Total assets | $20.3M | $14.8M |
| Deposits / shares | $17.5M | $13.4M |
| Capital ratio | 13.25% (stronger) | 9.04% |
| Problem loans | 0.04% (stronger) | 0.06% |
| Net charge-offs | 0.28% | 0.05% (stronger) |
| Return on assets | 0.89% (stronger) | 0.36% |
| Loans ÷ deposits | 69.9% | 42.3% (stronger) |
| Uninsured deposits | 3.5% | 2.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Valley Federal Credit Union has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Northern Valley Federal Credit Union leads on 4 and Minot Area Schools Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.