Side-by-side · Q2 2026 data
TowneBank vs Northern Star Credit Union, Inc.
Credit union
Northern Star Credit Union, Inc.
Portsmouth, Virginia · Under $100 million in assets
Metric by metric
| Measure | TowneBank | Northern Star Credit Union, Inc. |
|---|---|---|
| TellerScore | 74 | 85 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 93 (stronger) | 89 |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 43 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 87th | 77th |
| Total assets | $22.6B | $73.7M |
| Deposits / shares | $18.8B | $63.8M |
| Capital ratio | 10.00% | 16.80% (stronger) |
| Problem loans | 0.22% (stronger) | 0.32% |
| Net charge-offs | 0.10% (stronger) | 0.34% |
| Return on assets | 2.17% (stronger) | 0.55% |
| Loans ÷ deposits | 81.2% | 48.9% (stronger) |
| Uninsured deposits | 48.0% | 3.2% (stronger) |
| Offices | 77 | 1 |
| CFPB complaints (3 yrs) | 39 | — |
| Complaints per $1B deposits | 2.1 | — |
| Mortgage denial rate (HMDA) | 6.6% | 0.0% |
Northern Star Credit Union, Inc. has the higher TellerScore (85 vs 74). On the 7 directional measures above (where higher or lower is clearly better), TowneBank leads on 3 and Northern Star Credit Union, Inc. 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.