Side-by-side · Q2 2026 data
Community Bank Owatonna vs Federated Employees Credit Union
Credit union
Federated Employees Credit Union
Owatonna, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Community Bank Owatonna | Federated Employees Credit Union |
|---|---|---|
| TellerScore | 63 | 82 (stronger) |
| Capital cushion | 30 | 82 (stronger) |
| Loan quality | 86 | 94 (stronger) |
| Earnings | 52 (stronger) | 51 |
| Funding & liquidity | 84 | 95 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 24th | 70th |
| Total assets | $103.3M | $66.7M |
| Deposits / shares | $94.7M | $57.9M |
| Capital ratio | 7.98% | 13.17% (stronger) |
| Problem loans | 0.42% | 0.19% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.38% |
| Return on assets | 0.81% (stronger) | 0.78% |
| Loans ÷ deposits | 76.6% | 65.3% (stronger) |
| Uninsured deposits | 12.7% | 1.5% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Federated Employees Credit Union has the higher TellerScore (82 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Community Bank Owatonna leads on 2 and Federated Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.