Side-by-side · Q2 2026 data
Northern Valley Federal Credit Union vs University Federal Credit Union
Credit union
Northern Valley Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Credit union
University Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Northern Valley Federal Credit Union | University Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 91 (stronger) |
| Capital cushion | 83 | 94 (stronger) |
| Loan quality | 99 (stronger) | 76 |
| Earnings | 55 | 100 (stronger) |
| Funding & liquidity | 90 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 75th | 90th |
| Total assets | $20.3M | $46.1M |
| Deposits / shares | $17.5M | $39.3M |
| Capital ratio | 13.25% | 14.44% (stronger) |
| Problem loans | 0.04% (stronger) | 0.72% |
| Net charge-offs | 0.28% (stronger) | 0.38% |
| Return on assets | 0.89% | 2.14% (stronger) |
| Loans ÷ deposits | 69.9% | 66.0% (stronger) |
| Uninsured deposits | 3.5% (stronger) | 5.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
University Federal Credit Union has the higher TellerScore (91 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Northern Valley Federal Credit Union leads on 3 and University Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.