Side-by-side · Q2 2026 data
Mayo Employees Federal Credit Union vs Vystar Credit Union
Credit union
Mayo Employees Federal Credit Union
Rochester, Minnesota · $1 billion – $10 billion
Metric by metric
| Measure | Mayo Employees Federal Credit Union | Vystar Credit Union |
|---|---|---|
| TellerScore | 98 (stronger) | 51 |
| Capital cushion | 99 (stronger) | 39 |
| Loan quality | 98 (stronger) | 58 |
| Earnings | 92 (stronger) | 39 |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 100th | 13th |
| Total assets | $1.5B | $14.3B |
| Deposits / shares | $1.3B | $11.2B |
| Capital ratio | 14.90% (stronger) | 8.93% |
| Problem loans | 0.05% (stronger) | 1.25% |
| Net charge-offs | 0.02% (stronger) | 1.04% |
| Return on assets | 1.80% (stronger) | 0.48% |
| Loans ÷ deposits | 55.3% (stronger) | 96.0% |
| Uninsured deposits | 6.2% (stronger) | 6.9% |
| Offices | 7 | 79 |
| CFPB complaints (3 yrs) | — | 930 |
| Complaints per $1B deposits | — | 83.2 |
| Mortgage denial rate (HMDA) | 18.7% | 48.8% |
Mayo Employees Federal Credit Union has the higher TellerScore (98 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Mayo Employees Federal Credit Union leads on 7 and Vystar Credit Union on 0. 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.