Side-by-side · Q2 2026 data
The First National Bank of Bemidji vs Trustar Federal Credit Union
Credit union
Trustar Federal Credit Union
International F, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | The First National Bank of Bemidji | Trustar Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 88 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 34 | 88 (stronger) |
| Earnings | 77 | 77 |
| Funding & liquidity | 85 (stronger) | 70 |
| Problem-loan coverage | 72 | 96 (stronger) |
| Peer percentile | 27th | 92nd |
| Total assets | $1.1B | $376.7M |
| Deposits / shares | $844.4M | $313.5M |
| Capital ratio | 11.14% | 15.42% (stronger) |
| Problem loans | 1.99% | 0.36% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 1.42% (stronger) | 1.42% |
| Loans ÷ deposits | 64.6% (stronger) | 90.0% |
| Uninsured deposits | 24.6% | 9.2% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Trustar Federal Credit Union has the higher TellerScore (88 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Bemidji leads on 3 and Trustar Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.