Side-by-side · Q2 2026 data
Tandem Federal Credit Union vs Northwest Consumers Federal Credit Union
Credit union
Northwest Consumers Federal Credit Union
Traverse City, Michigan · Under $100 million in assets
Metric by metric
| Measure | Tandem Federal Credit Union | Northwest Consumers Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 77 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 51 (stronger) | 37 |
| Earnings | 26 | 68 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 44th | 57th |
| Total assets | $22.3M | $25.1M |
| Deposits / shares | $18.8M | $19.8M |
| Capital ratio | 16.49% | 19.47% (stronger) |
| Problem loans | 1.47% (stronger) | 1.88% |
| Net charge-offs | 0.78% (stronger) | 0.97% |
| Return on assets | 0.15% | 1.20% (stronger) |
| Loans ÷ deposits | 39.0% (stronger) | 60.4% |
| Uninsured deposits | 2.4% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northwest Consumers Federal Credit Union has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Tandem Federal Credit Union leads on 3 and Northwest Consumers Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.