Side-by-side · Q2 2026 data
PNC Bank, National Association vs Northland Area Federal Credit Union
Metric by metric
| Measure | PNC Bank, National Association | Northland Area Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 65 (stronger) |
| Capital cushion | 40 | 53 (stronger) |
| Loan quality | 75 (stronger) | 71 |
| Earnings | 73 (stronger) | 50 |
| Funding & liquidity | 48 | 87 (stronger) |
| Problem-loan coverage | 92 (stronger) | 85 |
| Peer percentile | 53rd | 34th |
| Total assets | $609.8B | $714.4M |
| Deposits / shares | $457.8B | $648.9M |
| Capital ratio | 8.98% | 10.33% (stronger) |
| Problem loans | 0.74% (stronger) | 0.88% |
| Net charge-offs | 0.24% | 0.20% (stronger) |
| Return on assets | 1.32% (stronger) | 0.76% |
| Loans ÷ deposits | 79.7% | 73.3% (stronger) |
| Uninsured deposits | 44.8% | 4.5% (stronger) |
| Offices | 2,305 | 15 |
| CFPB complaints (3 yrs) | 9,272 | — |
| Complaints per $1B deposits | 20.3 | — |
| Mortgage denial rate (HMDA) | 33.8% | — |
Northland Area Federal Credit Union has the higher TellerScore (65 vs 62). On the 7 directional measures above (where higher or lower is clearly better), PNC Bank, National Association leads on 2 and Northland Area 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.
Where both have branches
- West Branch, MI
- Alpena, MI
- Oscoda, MI