Side-by-side · Q2 2026 data
Community Bank Mankato vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Community Bank Mankato | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 47 | 73 (stronger) |
| Capital cushion | 45 | 62 (stronger) |
| Loan quality | 28 | 94 (stronger) |
| Earnings | 60 (stronger) | 51 |
| Funding & liquidity | 56 | 73 (stronger) |
| Problem-loan coverage | 63 | 98 (stronger) |
| Peer percentile | 5th | 60th |
| Total assets | $538.3M | $608.9M |
| Deposits / shares | $473.9M | $536.1M |
| Capital ratio | 9.49% | 11.17% (stronger) |
| Problem loans | 2.15% | 0.17% (stronger) |
| Net charge-offs | 0.26% | 0.18% (stronger) |
| Return on assets | 1.01% (stronger) | 0.77% |
| Loans ÷ deposits | 99.4% | 86.8% (stronger) |
| Uninsured deposits | 19.6% | 7.1% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.4% | — |
Southpoint Financial Credit Union has the higher TellerScore (73 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Community Bank Mankato leads on 1 and Southpoint Financial Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.