Side-by-side · Q2 2026 data
Riverfork Federal Credit Union vs Sovita Credit Union
Credit union
Riverfork Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Riverfork Federal Credit Union | Sovita Credit Union |
|---|---|---|
| TellerScore | 78 | 90 (stronger) |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 77 | 90 (stronger) |
| Earnings | 39 | 64 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 59th | 95th |
| Total assets | $31.2M | $592.0M |
| Deposits / shares | $26.7M | $501.3M |
| Capital ratio | 13.91% | 16.10% (stronger) |
| Problem loans | 0.70% | 0.31% (stronger) |
| Net charge-offs | 0.34% | 0.09% (stronger) |
| Return on assets | 0.48% | 1.11% (stronger) |
| Loans ÷ deposits | 45.6% | 27.5% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 5.0% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
Sovita Credit Union has the higher TellerScore (90 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Riverfork Federal Credit Union leads on 1 and Sovita Credit Union on 6. 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.