Side-by-side · Q2 2026 data
Grove Bank vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Grove Bank | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 65 | 73 (stronger) |
| Capital cushion | 50 | 62 (stronger) |
| Loan quality | 96 (stronger) | 94 |
| Earnings | 28 | 51 (stronger) |
| Funding & liquidity | 70 | 73 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 26th | 60th |
| Total assets | $56.4M | $608.9M |
| Deposits / shares | $45.4M | $536.1M |
| Capital ratio | 9.95% | 11.17% (stronger) |
| Problem loans | 0.11% (stronger) | 0.17% |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 0.21% | 0.77% (stronger) |
| Loans ÷ deposits | 90.2% | 86.8% (stronger) |
| Uninsured deposits | 13.5% | 7.1% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southpoint Financial Credit Union has the higher TellerScore (73 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Grove Bank leads on 2 and Southpoint Financial Credit Union on 5. 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.