Side-by-side · Q2 2026 data
Citizens Bank Minnesota vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank Minnesota | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 70 | 73 (stronger) |
| Capital cushion | 43 | 62 (stronger) |
| Loan quality | 99 (stronger) | 94 |
| Earnings | 54 (stronger) | 51 |
| Funding & liquidity | 78 (stronger) | 73 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 43rd | 60th |
| Total assets | $596.0M | $608.9M |
| Deposits / shares | $498.7M | $536.1M |
| Capital ratio | 9.33% | 11.17% (stronger) |
| Problem loans | 0.02% (stronger) | 0.17% |
| Net charge-offs | -0.00% (stronger) | 0.18% |
| Return on assets | 0.85% (stronger) | 0.77% |
| Loans ÷ deposits | 80.5% (stronger) | 86.8% |
| Uninsured deposits | 16.9% | 7.1% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
Southpoint Financial Credit Union has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank Minnesota leads on 4 and Southpoint Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- New Ulm, MN