Side-by-side · Q2 2026 data
Western Cooperative vs North Star Community Credit Union
Credit union
North Star Community Credit Union
Maddock, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | Western Cooperative | North Star Community Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 61 |
| Capital cushion | 92 | 93 (stronger) |
| Loan quality | 0 | 4 (stronger) |
| Earnings | 71 (stronger) | 67 |
| Funding & liquidity | 95 (stronger) | 76 |
| Problem-loan coverage | 80 (stronger) | 71 |
| Peer percentile | 31st | 24th |
| Total assets | $522.2M | $464.8M |
| Deposits / shares | $452.5M | $396.8M |
| Capital ratio | 14.20% | 14.31% (stronger) |
| Problem loans | 3.17% | 2.87% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.44% |
| Return on assets | 1.27% (stronger) | 1.18% |
| Loans ÷ deposits | 52.6% (stronger) | 84.3% |
| Uninsured deposits | 19.6% | 7.3% (stronger) |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western Cooperative has the higher TellerScore (64 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Western Cooperative leads on 4 and North Star Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.