Side-by-side · Q2 2026 data
Union Bank vs North Country Federal Credit Union
Credit union
North Country Federal Credit Union
Burlington, Vermont · $1 billion – $10 billion
Metric by metric
| Measure | Union Bank | North Country Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 59 (stronger) |
| Capital cushion | 28 | 47 (stronger) |
| Loan quality | 55 | 64 (stronger) |
| Earnings | 52 | 53 (stronger) |
| Funding & liquidity | 32 | 69 (stronger) |
| Problem-loan coverage | 73 | 82 (stronger) |
| Peer percentile | 4th | 22nd |
| Total assets | $1.6B | $1.1B |
| Deposits / shares | $1.1B | $1.0B |
| Capital ratio | 7.82% | 9.72% (stronger) |
| Problem loans | 1.35% | 1.09% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.43% |
| Return on assets | 0.80% | 0.82% (stronger) |
| Loans ÷ deposits | 101.4% | 91.3% (stronger) |
| Uninsured deposits | 39.5% | 6.3% (stronger) |
| Offices | 18 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | — |
North Country Federal Credit Union has the higher TellerScore (59 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Union Bank leads on 1 and North Country Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lyndonville, VT