Side-by-side · Q2 2026 data
State Bank of Lakota vs North Star Community Credit Union
Credit union
North Star Community Credit Union
Maddock, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | State Bank of Lakota | North Star Community Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 61 |
| Capital cushion | 46 | 93 (stronger) |
| Loan quality | 84 (stronger) | 4 |
| Earnings | 63 | 67 (stronger) |
| Funding & liquidity | 93 (stronger) | 76 |
| Problem-loan coverage | 94 (stronger) | 71 |
| Peer percentile | 42nd | 24th |
| Total assets | $64.2M | $464.8M |
| Deposits / shares | $57.6M | $396.8M |
| Capital ratio | 9.58% | 14.31% (stronger) |
| Problem loans | 0.49% (stronger) | 2.87% |
| Net charge-offs | 0.33% (stronger) | 0.44% |
| Return on assets | 1.07% | 1.18% (stronger) |
| Loans ÷ deposits | 66.9% (stronger) | 84.3% |
| Uninsured deposits | 10.8% | 7.3% (stronger) |
| Offices | 1 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of Lakota has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Lakota leads on 4 and North Star Community Credit Union on 3. 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.