Side-by-side · Q2 2026 data
Center National Bank vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Center National Bank | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 73 |
| Capital cushion | 61 | 62 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 76 (stronger) | 51 |
| Funding & liquidity | 76 (stronger) | 73 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 77th | 60th |
| Total assets | $242.6M | $608.9M |
| Deposits / shares | $215.5M | $536.1M |
| Capital ratio | 11.05% | 11.17% (stronger) |
| Problem loans | 0.00% (stronger) | 0.17% |
| Net charge-offs | -0.00% (stronger) | 0.18% |
| Return on assets | 1.41% (stronger) | 0.77% |
| Loans ÷ deposits | 72.6% (stronger) | 86.8% |
| Uninsured deposits | 25.8% | 7.1% (stronger) |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Center National Bank has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Center National Bank leads on 5 and Southpoint Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.