Side-by-side · Q2 2026 data
Heritage Bank Minnesota vs Mayo Employees Federal Credit Union
Credit union
Mayo Employees Federal Credit Union
Rochester, Minnesota · $1 billion – $10 billion
Metric by metric
| Measure | Heritage Bank Minnesota | Mayo Employees Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 98 (stronger) |
| Capital cushion | 23 | 99 (stronger) |
| Loan quality | 79 | 98 (stronger) |
| Earnings | 54 | 92 (stronger) |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 14th | 100th |
| Total assets | $120.9M | $1.5B |
| Deposits / shares | $109.8M | $1.3B |
| Capital ratio | 7.27% | 14.90% (stronger) |
| Problem loans | 0.64% | 0.05% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 0.85% | 1.80% (stronger) |
| Loans ÷ deposits | 89.1% | 55.3% (stronger) |
| Uninsured deposits | 11.4% | 6.2% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 18.7% |
Mayo Employees Federal Credit Union has the higher TellerScore (98 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank Minnesota leads on 1 and Mayo Employees Federal Credit Union on 6. 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.