Side-by-side · Q2 2026 data
Florida Capital Bank, National Association vs Mayo Employees Federal Credit Union
Bank
Florida Capital Bank, National Association
Jacksonville, Florida · $100 million – $1 billion
Credit union
Mayo Employees Federal Credit Union
Rochester, Minnesota · $1 billion – $10 billion
Metric by metric
| Measure | Florida Capital Bank, National Association | Mayo Employees Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 98 (stronger) |
| Capital cushion | 48 | 99 (stronger) |
| Loan quality | 95 | 98 (stronger) |
| Earnings | 59 | 92 (stronger) |
| Funding & liquidity | 27 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 26th | 100th |
| Total assets | $713.1M | $1.5B |
| Deposits / shares | $639.8M | $1.3B |
| Capital ratio | 9.77% | 14.90% (stronger) |
| Problem loans | 0.16% | 0.05% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 0.98% | 1.80% (stronger) |
| Loans ÷ deposits | 83.5% | 55.3% (stronger) |
| Uninsured deposits | 67.2% | 6.2% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 18.7% |
Mayo Employees Federal Credit Union has the higher TellerScore (98 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Florida Capital Bank, National Association leads on 1 and Mayo Employees Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.