Side-by-side · Q2 2026 data
Americana Community Bank vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Americana Community Bank | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 67 | 73 (stronger) |
| Capital cushion | 67 (stronger) | 62 |
| Loan quality | 80 | 94 (stronger) |
| Earnings | 45 | 51 (stronger) |
| Funding & liquidity | 57 | 73 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 34th | 60th |
| Total assets | $179.9M | $608.9M |
| Deposits / shares | $152.7M | $536.1M |
| Capital ratio | 11.66% (stronger) | 11.17% |
| Problem loans | 0.60% | 0.17% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.18% |
| Return on assets | 0.62% | 0.77% (stronger) |
| Loans ÷ deposits | 92.6% | 86.8% (stronger) |
| Uninsured deposits | 24.7% | 7.1% (stronger) |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southpoint Financial Credit Union has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Americana Community Bank leads on 2 and Southpoint Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Sleepy Eye, MN