Side-by-side · Q2 2026 data
First Bank & Trust vs Minnco Credit Union
Metric by metric
| Measure | First Bank & Trust | Minnco Credit Union |
|---|---|---|
| TellerScore | 70 | 70 |
| Capital cushion | 54 (stronger) | 49 |
| Loan quality | 86 (stronger) | 85 |
| Earnings | 72 (stronger) | 56 |
| Funding & liquidity | 58 | 92 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 58th | 51st |
| Total assets | $4.8B | $604.7M |
| Deposits / shares | $4.2B | $530.6M |
| Capital ratio | 10.37% (stronger) | 9.95% |
| Problem loans | 0.42% (stronger) | 0.44% |
| Net charge-offs | 0.02% (stronger) | 0.50% |
| Return on assets | 1.31% (stronger) | 0.91% |
| Loans ÷ deposits | 84.6% | 68.0% (stronger) |
| Uninsured deposits | 31.1% | 8.1% (stronger) |
| Offices | 22 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | 23.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Bank & Trust leads on 4 and Minnco Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cambridge, MN
- Princeton, MN