Side-by-side · Q2 2026 data
Northstar Bank vs Flagship Community Federal Credit Union
Credit union
Flagship Community Federal Credit Union
Port Huron, Michigan · Under $100 million in assets
Metric by metric
| Measure | Northstar Bank | Flagship Community Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 76 (stronger) |
| Capital cushion | 41 | 62 (stronger) |
| Loan quality | 73 | 90 (stronger) |
| Earnings | 72 (stronger) | 49 |
| Funding & liquidity | 44 | 100 (stronger) |
| Problem-loan coverage | 77 | 96 (stronger) |
| Peer percentile | 19th | 54th |
| Total assets | $1.2B | $34.8M |
| Deposits / shares | $973.6M | $30.7M |
| Capital ratio | 9.11% | 11.22% (stronger) |
| Problem loans | 0.80% | 0.31% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.01% |
| Return on assets | 1.30% (stronger) | 0.73% |
| Loans ÷ deposits | 101.0% | 54.8% (stronger) |
| Uninsured deposits | 28.4% | 0.0% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
Flagship Community Federal Credit Union has the higher TellerScore (76 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Northstar Bank leads on 2 and Flagship Community Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.