Side-by-side · Q2 2026 data
BNC National Bank vs Mayo Employees Federal Credit Union
Credit union
Mayo Employees Federal Credit Union
Rochester, Minnesota · $1 billion – $10 billion
Metric by metric
| Measure | BNC National Bank | Mayo Employees Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 98 (stronger) |
| Capital cushion | 72 | 99 (stronger) |
| Loan quality | 72 | 98 (stronger) |
| Earnings | 65 | 92 (stronger) |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 63rd | 100th |
| Total assets | $1.0B | $1.5B |
| Deposits / shares | $915.8M | $1.3B |
| Capital ratio | 12.21% | 14.90% (stronger) |
| Problem loans | 0.84% | 0.05% (stronger) |
| Net charge-offs | 0.61% | 0.02% (stronger) |
| Return on assets | 1.14% | 1.80% (stronger) |
| Loans ÷ deposits | 78.8% | 55.3% (stronger) |
| Uninsured deposits | 32.5% | 6.2% (stronger) |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.5% | 18.7% |
Mayo Employees Federal Credit Union has the higher TellerScore (98 vs 71). On the 7 directional measures above (where higher or lower is clearly better), BNC National Bank leads on 0 and Mayo Employees Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.