Side-by-side · Q2 2026 data
Arcadian Bank vs Federated Employees Credit Union
Credit union
Federated Employees Credit Union
Owatonna, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Arcadian Bank | Federated Employees Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 82 |
| Capital cushion | 70 | 82 (stronger) |
| Loan quality | 97 (stronger) | 94 |
| Earnings | 100 (stronger) | 51 |
| Funding & liquidity | 66 | 95 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 88th | 70th |
| Total assets | $242.1M | $66.7M |
| Deposits / shares | $206.1M | $57.9M |
| Capital ratio | 12.01% | 13.17% (stronger) |
| Problem loans | 0.10% (stronger) | 0.19% |
| Net charge-offs | -0.00% (stronger) | 0.38% |
| Return on assets | 2.07% (stronger) | 0.78% |
| Loans ÷ deposits | 87.4% | 65.3% (stronger) |
| Uninsured deposits | 21.1% | 1.5% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Arcadian Bank has the higher TellerScore (85 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Arcadian Bank leads on 4 and Federated Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.