Side-by-side · Q2 2026 data
Peoples State Bank of Velva vs Aspire Community Federal Credit Union
Credit union
Aspire Community Federal Credit Union
Minot, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | Peoples State Bank of Velva | Aspire Community Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 87 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 97 (stronger) | 86 |
| Earnings | 83 | 83 |
| Funding & liquidity | 65 (stronger) | 63 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 53rd | 91st |
| Total assets | $210.0M | $181.6M |
| Deposits / shares | $184.4M | $154.9M |
| Capital ratio | 9.31% | 15.59% (stronger) |
| Problem loans | 0.10% (stronger) | 0.41% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.58% (stronger) | 1.57% |
| Loans ÷ deposits | 81.8% (stronger) | 97.5% |
| Uninsured deposits | 27.2% | 10.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
Aspire Community Federal Credit Union has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank of Velva leads on 4 and Aspire Community Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.