Side-by-side · Q2 2026 data
Postal Family Federal Credit Union vs Northern Valley Federal Credit Union
Credit union
Postal Family Federal Credit Union
Fargo, North Dakota · Under $100 million in assets
Credit union
Northern Valley Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Postal Family Federal Credit Union | Northern Valley Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 84 (stronger) |
| Capital cushion | 55 | 83 (stronger) |
| Loan quality | 94 | 99 (stronger) |
| Earnings | 47 | 55 (stronger) |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 49th | 75th |
| Total assets | $30.2M | $20.3M |
| Deposits / shares | $27.1M | $17.5M |
| Capital ratio | 10.52% | 13.25% (stronger) |
| Problem loans | 0.19% | 0.04% (stronger) |
| Net charge-offs | 0.42% | 0.28% (stronger) |
| Return on assets | 0.69% | 0.89% (stronger) |
| Loans ÷ deposits | 31.6% (stronger) | 69.9% |
| Uninsured deposits | 3.0% (stronger) | 3.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Valley Federal Credit Union has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Postal Family Federal Credit Union leads on 2 and Northern Valley Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.