Side-by-side · Q2 2026 data
The First National Bank of Proctor vs North Shore Federal Credit Union
Metric by metric
| Measure | The First National Bank of Proctor | North Shore Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 74 (stronger) |
| Capital cushion | 35 | 78 (stronger) |
| Loan quality | 100 (stronger) | 89 |
| Earnings | 43 | 44 (stronger) |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 37th | 63rd |
| Total assets | $34.0M | $284.8M |
| Deposits / shares | $31.1M | $246.7M |
| Capital ratio | 8.47% | 12.77% (stronger) |
| Problem loans | 0.00% (stronger) | 0.33% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.57% | 0.59% (stronger) |
| Loans ÷ deposits | 44.4% (stronger) | 91.9% |
| Uninsured deposits | 7.4% | 5.9% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.3% |
North Shore Federal Credit Union has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Proctor leads on 3 and North Shore Federal Credit Union on 4. 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.