Side-by-side · Q2 2026 data
Northridge Community Credit Union vs Ely Area Credit Union
Credit union
Northridge Community Credit Union
Virginia, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Northridge Community Credit Union | Ely Area Credit Union |
|---|---|---|
| TellerScore | 65 | 99 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 95 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 53 | 99 (stronger) |
| Peer percentile | 34th | 99th |
| Total assets | $113.0M | $74.3M |
| Deposits / shares | $94.3M | $61.6M |
| Capital ratio | 15.60% | 16.97% (stronger) |
| Problem loans | 4.18% | 0.14% (stronger) |
| Net charge-offs | 0.93% | -0.18% (stronger) |
| Return on assets | 2.05% | 2.60% (stronger) |
| Loans ÷ deposits | 94.6% | 41.9% (stronger) |
| Uninsured deposits | 0.2% (stronger) | 2.8% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.5% |
Ely Area Credit Union has the higher TellerScore (99 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Northridge Community Credit Union leads on 1 and Ely Area Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Ely, MN