Side-by-side · Q2 2026 data
Northland Area Federal Credit Union vs American 1 Credit Union
Metric by metric
| Measure | Northland Area Federal Credit Union | American 1 Credit Union |
|---|---|---|
| TellerScore | 65 | 65 |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 71 (stronger) | 31 |
| Earnings | 50 (stronger) | 41 |
| Funding & liquidity | 87 (stronger) | 76 |
| Problem-loan coverage | 85 (stronger) | 81 |
| Peer percentile | 34th | 34th |
| Total assets | $714.4M | $661.3M |
| Deposits / shares | $648.9M | $543.3M |
| Capital ratio | 10.33% | 15.58% (stronger) |
| Problem loans | 0.88% (stronger) | 2.07% |
| Net charge-offs | 0.20% (stronger) | 2.62% |
| Return on assets | 0.76% (stronger) | 0.53% |
| Loans ÷ deposits | 73.3% (stronger) | 83.8% |
| Uninsured deposits | 4.5% (stronger) | 4.6% |
| Offices | 15 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Northland Area Federal Credit Union leads on 5 and American 1 Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.