Side-by-side · Q2 2026 data
Janesville State Bank vs Minnesota Valley Federal Credit Union
Credit union
Minnesota Valley Federal Credit Union
Mankato, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Janesville State Bank | Minnesota Valley Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 77 |
| Capital cushion | 64 | 65 (stronger) |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 82 (stronger) | 63 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 68th | 71st |
| Total assets | $98.8M | $329.0M |
| Deposits / shares | $84.1M | $289.7M |
| Capital ratio | 11.44% | 11.48% (stronger) |
| Problem loans | 0.00% (stronger) | 0.56% |
| Net charge-offs | 0.00% (stronger) | 0.11% |
| Return on assets | 1.54% (stronger) | 1.06% |
| Loans ÷ deposits | 82.7% | 58.1% (stronger) |
| Uninsured deposits | 23.2% | 4.6% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.2% |
Janesville State Bank has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Janesville State Bank leads on 4 and Minnesota Valley Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.