Side-by-side · Q2 2026 data
Merchants State Bank vs Bluestone Federal Credit Union
Credit union
Bluestone Federal Credit Union
Sioux Falls, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Merchants State Bank | Bluestone Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 89 (stronger) | 83 |
| Earnings | 96 (stronger) | 55 |
| Funding & liquidity | 67 | 88 (stronger) |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 96th | 45th |
| Total assets | $219.6M | $205.6M |
| Deposits / shares | $180.7M | $176.4M |
| Capital ratio | 17.26% (stronger) | 9.57% |
| Problem loans | 0.32% (stronger) | 0.50% |
| Net charge-offs | 0.01% (stronger) | 0.70% |
| Return on assets | 1.90% (stronger) | 0.87% |
| Loans ÷ deposits | 81.1% | 72.6% (stronger) |
| Uninsured deposits | 25.8% | 9.3% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.6% |
Merchants State Bank has the higher TellerScore (91 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Merchants State Bank leads on 5 and Bluestone Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.