Side-by-side · Q2 2026 data
Northwoods Credit Union vs Duluth Police Department Employees Credit Union
Credit union
Duluth Police Department Employees Credit Union
Duluth, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Northwoods Credit Union | Duluth Police Department Employees Credit Union |
|---|---|---|
| TellerScore | 71 | 91 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 84 | 86 (stronger) |
| Earnings | 74 | 80 (stronger) |
| Funding & liquidity | 75 | 93 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 54th | 90th |
| Total assets | $175.2M | $7.8M |
| Deposits / shares | $154.7M | $6.0M |
| Capital ratio | 9.93% | 22.84% (stronger) |
| Problem loans | 0.49% | 0.41% (stronger) |
| Net charge-offs | 0.50% | 0.00% (stronger) |
| Return on assets | 1.35% | 1.49% (stronger) |
| Loans ÷ deposits | 85.2% | 67.5% (stronger) |
| Uninsured deposits | 1.5% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Duluth Police Department Employees Credit Union has the higher TellerScore (91 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Northwoods Credit Union leads on 0 and Duluth Police Department Employees Credit Union on 7. 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.