Side-by-side · Q2 2026 data
Frandsen Bank & Trust vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Frandsen Bank & Trust | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 71 | 73 (stronger) |
| Capital cushion | 50 | 62 (stronger) |
| Loan quality | 76 | 94 (stronger) |
| Earnings | 93 (stronger) | 51 |
| Funding & liquidity | 62 | 73 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 63rd | 60th |
| Total assets | $3.7B | $608.9M |
| Deposits / shares | $3.1B | $536.1M |
| Capital ratio | 10.02% | 11.17% (stronger) |
| Problem loans | 0.71% | 0.17% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.18% |
| Return on assets | 1.82% (stronger) | 0.77% |
| Loans ÷ deposits | 79.5% (stronger) | 86.8% |
| Uninsured deposits | 31.8% | 7.1% (stronger) |
| Offices | 39 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Southpoint Financial Credit Union has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Frandsen Bank & Trust leads on 3 and Southpoint Financial Credit Union on 4. 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
- New Ulm, MN
- North Mankato, MN