Side-by-side · Q2 2026 data
Co-Op Credit Union of Montevideo vs Southpoint Financial Credit Union
Credit union
Co-Op Credit Union of Montevideo
Montevideo, Minnesota · $100 million – $1 billion
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Co-Op Credit Union of Montevideo | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 69 | 73 (stronger) |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 0 | 94 (stronger) |
| Earnings | 97 (stronger) | 51 |
| Funding & liquidity | 80 (stronger) | 73 |
| Problem-loan coverage | 72 | 98 (stronger) |
| Peer percentile | 48th | 60th |
| Total assets | $422.8M | $608.9M |
| Deposits / shares | $352.5M | $536.1M |
| Capital ratio | 15.80% (stronger) | 11.17% |
| Problem loans | 3.18% | 0.17% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.18% |
| Return on assets | 1.91% (stronger) | 0.77% |
| Loans ÷ deposits | 80.6% (stronger) | 86.8% |
| Uninsured deposits | 5.4% (stronger) | 7.1% |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southpoint Financial Credit Union has the higher TellerScore (73 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Co-Op Credit Union of Montevideo leads on 5 and Southpoint Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.