Side-by-side · Q2 2026 data
Farmers and Merchants State Bank of Springfield vs Southpoint Financial Credit Union
Bank
Farmers and Merchants State Bank of Springfield
Springfield, Minnesota · $100 million – $1 billion
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Farmers and Merchants State Bank of Springfield | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 42 | 73 (stronger) |
| Capital cushion | 37 | 62 (stronger) |
| Loan quality | 0 | 94 (stronger) |
| Earnings | 74 (stronger) | 51 |
| Funding & liquidity | 83 (stronger) | 73 |
| Problem-loan coverage | 41 | 98 (stronger) |
| Peer percentile | 3rd | 60th |
| Total assets | $139.8M | $608.9M |
| Deposits / shares | $120.7M | $536.1M |
| Capital ratio | 8.70% | 11.17% (stronger) |
| Problem loans | 4.48% | 0.17% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.18% |
| Return on assets | 1.34% (stronger) | 0.77% |
| Loans ÷ deposits | 72.4% (stronger) | 86.8% |
| Uninsured deposits | 19.2% | 7.1% (stronger) |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southpoint Financial Credit Union has the higher TellerScore (73 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank of Springfield leads on 3 and Southpoint Financial Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Springfield, MN