Side-by-side · Q2 2026 data
Western State Bank 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 State Bank | North Star Community Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 61 |
| Capital cushion | 82 | 93 (stronger) |
| Loan quality | 70 (stronger) | 4 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 47 | 76 (stronger) |
| Problem-loan coverage | 89 (stronger) | 71 |
| Peer percentile | 86th | 24th |
| Total assets | $2.5B | $464.8M |
| Deposits / shares | $2.1B | $396.8M |
| Capital ratio | 13.19% | 14.31% (stronger) |
| Problem loans | 0.90% (stronger) | 2.87% |
| Net charge-offs | 0.28% (stronger) | 0.44% |
| Return on assets | 2.01% (stronger) | 1.18% |
| Loans ÷ deposits | 104.8% | 84.3% (stronger) |
| Uninsured deposits | 22.1% | 7.3% (stronger) |
| Offices | 10 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Western State Bank has the higher TellerScore (78 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Western State Bank leads on 4 and North Star Community Credit Union on 3. 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.