Side-by-side · Q2 2026 data
Cornerstone State Bank vs Minnesota Valley Federal Credit Union
Credit union
Minnesota Valley Federal Credit Union
Mankato, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Cornerstone State Bank | Minnesota Valley Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 56 | 65 (stronger) |
| Loan quality | 73 | 81 (stronger) |
| Earnings | 80 (stronger) | 63 |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 57th | 71st |
| Total assets | $247.0M | $329.0M |
| Deposits / shares | $223.9M | $289.7M |
| Capital ratio | 10.60% | 11.48% (stronger) |
| Problem loans | 0.80% | 0.56% (stronger) |
| Net charge-offs | -0.84% (stronger) | 0.11% |
| Return on assets | 1.49% (stronger) | 1.06% |
| Loans ÷ deposits | 67.1% | 58.1% (stronger) |
| Uninsured deposits | 11.3% | 4.6% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | 5.2% |
Minnesota Valley Federal Credit Union has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone State Bank leads on 2 and Minnesota Valley Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.