Side-by-side · Q2 2026 data
Northern Valley Federal Credit Union vs Riverfork Federal Credit Union
Credit union
Northern Valley 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 Valley Federal Credit Union | Riverfork Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 78 |
| Capital cushion | 83 | 89 (stronger) |
| Loan quality | 99 (stronger) | 77 |
| Earnings | 55 (stronger) | 39 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 75th | 59th |
| Total assets | $20.3M | $31.2M |
| Deposits / shares | $17.5M | $26.7M |
| Capital ratio | 13.25% | 13.91% (stronger) |
| Problem loans | 0.04% (stronger) | 0.70% |
| Net charge-offs | 0.28% (stronger) | 0.34% |
| Return on assets | 0.89% (stronger) | 0.48% |
| Loans ÷ deposits | 69.9% | 45.6% (stronger) |
| Uninsured deposits | 3.5% | 3.3% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Valley Federal Credit Union has the higher TellerScore (84 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Northern Valley Federal Credit Union leads on 4 and Riverfork Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.