Side-by-side · Q2 2026 data
United Republic Bank vs North Western Employees Credit Union
Credit union
North Western Employees Credit Union
Council Bluffs, Iowa · Under $100 million in assets
Metric by metric
| Measure | United Republic Bank | North Western Employees Credit Union |
|---|---|---|
| TellerScore | 36 | 94 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 26 | 68 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 3 | 100 (stronger) |
| Peer percentile | 1st | 95th |
| Total assets | $185.8M | $10.4M |
| Deposits / shares | $147.4M | $8.1M |
| Capital ratio | 11.57% | 21.35% (stronger) |
| Problem loans | 4.89% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.09% |
| Return on assets | 0.15% | 1.19% (stronger) |
| Loans ÷ deposits | 91.1% | 60.6% (stronger) |
| Uninsured deposits | 8.1% | 1.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Western Employees Credit Union has the higher TellerScore (94 vs 36). On the 7 directional measures above (where higher or lower is clearly better), United Republic Bank leads on 1 and North Western Employees Credit Union on 6. 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.