Side-by-side · Q2 2026 data
True North Federal Credit Union vs Northern Skies Federal Credit Union
Metric by metric
| Measure | True North Federal Credit Union | Northern Skies Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 73 (stronger) |
| Capital cushion | 52 | 83 (stronger) |
| Loan quality | 71 (stronger) | 64 |
| Earnings | 28 | 66 (stronger) |
| Funding & liquidity | 69 (stronger) | 67 |
| Problem-loan coverage | 85 | 86 (stronger) |
| Peer percentile | 16th | 60th |
| Total assets | $236.2M | $231.7M |
| Deposits / shares | $209.2M | $197.7M |
| Capital ratio | 10.19% | 13.27% (stronger) |
| Problem loans | 0.87% (stronger) | 1.07% |
| Net charge-offs | 0.82% | 0.57% (stronger) |
| Return on assets | 0.19% | 1.14% (stronger) |
| Loans ÷ deposits | 90.8% | 90.5% (stronger) |
| Uninsured deposits | 6.9% (stronger) | 17.3% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.5% | — |
Northern Skies Federal Credit Union has the higher TellerScore (73 vs 58). On the 7 directional measures above (where higher or lower is clearly better), True North Federal Credit Union leads on 2 and Northern Skies Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.