Side-by-side · Q2 2026 data
The North Salem State Bank vs Forum Credit Union
Metric by metric
| Measure | The North Salem State Bank | Forum Credit Union |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 40 | 83 (stronger) |
| Loan quality | 78 | 90 (stronger) |
| Earnings | 86 (stronger) | 69 |
| Funding & liquidity | 40 | 60 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 26th | 88th |
| Total assets | $769.6M | $2.3B |
| Deposits / shares | $687.9M | $1.9B |
| Capital ratio | 8.98% | 13.27% (stronger) |
| Problem loans | 0.67% | 0.31% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.46% |
| Return on assets | 1.65% (stronger) | 1.21% |
| Loans ÷ deposits | 89.7% (stronger) | 100.2% |
| Uninsured deposits | 43.0% | 12.4% (stronger) |
| Offices | 9 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | — |
Forum Credit Union has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The North Salem State Bank leads on 3 and Forum Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.