Side-by-side · Q2 2026 data
St. Paul Federal Credit Union vs Novation Credit Union
Metric by metric
| Measure | St. Paul Federal Credit Union | Novation Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 79 (stronger) | 60 |
| Loan quality | 93 (stronger) | 78 |
| Earnings | 46 | 63 (stronger) |
| Funding & liquidity | 67 | 79 (stronger) |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 68th | 54th |
| Total assets | $252.1M | $244.0M |
| Deposits / shares | $215.2M | $216.1M |
| Capital ratio | 12.93% (stronger) | 10.99% |
| Problem loans | 0.20% (stronger) | 0.66% |
| Net charge-offs | 0.22% (stronger) | 0.32% |
| Return on assets | 0.66% | 1.07% (stronger) |
| Loans ÷ deposits | 92.7% | 81.6% (stronger) |
| Uninsured deposits | 15.5% | 3.4% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 18.2% |
St. Paul Federal Credit Union has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), St. Paul Federal Credit Union leads on 4 and Novation Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.