Side-by-side · Q2 2026 data
First National Bank vs Mayo Employees Federal Credit Union
Credit union
Mayo Employees Federal Credit Union
Rochester, Minnesota · $1 billion – $10 billion
Metric by metric
| Measure | First National Bank | Mayo Employees Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 98 (stronger) |
| Capital cushion | 100 (stronger) | 99 |
| Loan quality | 33 | 98 (stronger) |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 68th | 100th |
| Total assets | $477.8M | $1.5B |
| Deposits / shares | $380.1M | $1.3B |
| Capital ratio | 18.41% (stronger) | 14.90% |
| Problem loans | 2.01% | 0.05% (stronger) |
| Net charge-offs | 4.62% | 0.02% (stronger) |
| Return on assets | 2.18% (stronger) | 1.80% |
| Loans ÷ deposits | 90.6% | 55.3% (stronger) |
| Uninsured deposits | 16.2% | 6.2% (stronger) |
| Offices | 13 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 18.7% |
Mayo Employees Federal Credit Union has the higher TellerScore (98 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 2 and Mayo Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.