Side-by-side · Q2 2026 data
Northwest Consumers Federal Credit Union vs Construction Federal Credit Union
Credit union
Northwest Consumers Federal Credit Union
Traverse City, Michigan · Under $100 million in assets
Credit union
Construction Federal Credit Union
Bingham Farms, Michigan · Under $100 million in assets
Metric by metric
| Measure | Northwest Consumers Federal Credit Union | Construction Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 37 (stronger) | 0 |
| Earnings | 68 (stronger) | 40 |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 91 (stronger) | 44 |
| Peer percentile | 57th | 10th |
| Total assets | $25.1M | $26.4M |
| Deposits / shares | $19.8M | $22.7M |
| Capital ratio | 19.47% (stronger) | 13.57% |
| Problem loans | 1.88% (stronger) | 5.71% |
| Net charge-offs | 0.97% | 0.00% (stronger) |
| Return on assets | 1.20% (stronger) | 0.50% |
| Loans ÷ deposits | 60.4% (stronger) | 77.2% |
| Uninsured deposits | 0.0% (stronger) | 11.5% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northwest Consumers Federal Credit Union has the higher TellerScore (77 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Northwest Consumers Federal Credit Union leads on 6 and Construction Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.