Side-by-side · Q2 2026 data
Home State Bank vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Home State Bank | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 73 |
| Capital cushion | 68 (stronger) | 62 |
| Loan quality | 97 (stronger) | 94 |
| Earnings | 67 (stronger) | 51 |
| Funding & liquidity | 97 (stronger) | 73 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 84th | 60th |
| Total assets | $218.9M | $608.9M |
| Deposits / shares | $194.3M | $536.1M |
| Capital ratio | 11.81% (stronger) | 11.17% |
| Problem loans | 0.08% (stronger) | 0.17% |
| Net charge-offs | 0.11% (stronger) | 0.18% |
| Return on assets | 1.18% (stronger) | 0.77% |
| Loans ÷ deposits | 62.2% (stronger) | 86.8% |
| Uninsured deposits | 16.5% | 7.1% (stronger) |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home State Bank has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank leads on 6 and Southpoint Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.