Side-by-side · Q2 2026 data
Lake Country Community Bank vs Federated Employees Credit Union
Credit union
Federated Employees Credit Union
Owatonna, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Lake Country Community Bank | Federated Employees Credit Union |
|---|---|---|
| TellerScore | 74 | 82 (stronger) |
| Capital cushion | 69 | 82 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 29 | 51 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 75 | 98 (stronger) |
| Peer percentile | 51st | 70th |
| Total assets | $31.5M | $66.7M |
| Deposits / shares | $28.2M | $57.9M |
| Capital ratio | 11.92% | 13.17% (stronger) |
| Problem loans | 0.00% (stronger) | 0.19% |
| Net charge-offs | -0.01% (stronger) | 0.38% |
| Return on assets | 0.22% | 0.78% (stronger) |
| Loans ÷ deposits | 60.7% (stronger) | 65.3% |
| Uninsured deposits | 10.0% | 1.5% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Federated Employees Credit Union has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Lake Country Community Bank leads on 3 and Federated Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.