Side-by-side · Q2 2026 data
Highland Bank vs Ziegler Federal Credit Union
Credit union
Ziegler Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Highland Bank | Ziegler Federal Credit Union |
|---|---|---|
| TellerScore | 34 | 87 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 16 | 64 (stronger) |
| Earnings | 22 | 88 (stronger) |
| Funding & liquidity | 60 | 91 (stronger) |
| Problem-loan coverage | 60 | 96 (stronger) |
| Peer percentile | 1st | 83rd |
| Total assets | $775.9M | $4.3M |
| Deposits / shares | $684.4M | $3.2M |
| Capital ratio | 8.58% | 26.88% (stronger) |
| Problem loans | 2.51% | 1.09% (stronger) |
| Net charge-offs | 0.80% | 0.10% (stronger) |
| Return on assets | 0.04% | 1.71% (stronger) |
| Loans ÷ deposits | 80.2% | 69.0% (stronger) |
| Uninsured deposits | 33.2% | 0.0% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.5% | — |
Ziegler Federal Credit Union has the higher TellerScore (87 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Highland Bank leads on 0 and Ziegler Federal Credit Union on 7. 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.