Side-by-side · Q2 2026 data
First Alliance Credit Union vs St. Cloud Financial Credit Union
Metric by metric
| Measure | First Alliance Credit Union | St. Cloud Financial Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 57 |
| Capital cushion | 49 (stronger) | 22 |
| Loan quality | 60 | 90 (stronger) |
| Earnings | 91 (stronger) | 42 |
| Funding & liquidity | 73 (stronger) | 65 |
| Problem-loan coverage | 82 | 93 (stronger) |
| Peer percentile | 41st | 14th |
| Total assets | $358.5M | $456.4M |
| Deposits / shares | $296.0M | $399.9M |
| Capital ratio | 9.95% (stronger) | 7.22% |
| Problem loans | 1.19% | 0.31% (stronger) |
| Net charge-offs | 0.53% | 0.12% (stronger) |
| Return on assets | 1.77% (stronger) | 0.55% |
| Loans ÷ deposits | 87.3% (stronger) | 95.5% |
| Uninsured deposits | 4.5% (stronger) | 4.9% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.6% | — |
First Alliance Credit Union has the higher TellerScore (67 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First Alliance Credit Union leads on 5 and St. Cloud Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.