Side-by-side · Q2 2026 data
Mid-Central National Bank vs Magnifi Financial Credit Union
Metric by metric
| Measure | Mid-Central National Bank | Magnifi Financial Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 68 |
| Capital cushion | 99 (stronger) | 60 |
| Loan quality | 75 | 93 (stronger) |
| Earnings | 44 | 44 |
| Funding & liquidity | 67 (stronger) | 61 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 68th | 50th |
| Total assets | $117.1M | $2.8B |
| Deposits / shares | $94.9M | $2.3B |
| Capital ratio | 14.91% (stronger) | 11.04% |
| Problem loans | 0.76% | 0.21% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 0.60% | 0.61% (stronger) |
| Loans ÷ deposits | 93.2% (stronger) | 99.6% |
| Uninsured deposits | 3.9% (stronger) | 13.9% |
| Offices | 3 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.6% |
Mid-Central National Bank has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Mid-Central National Bank leads on 5 and Magnifi Financial Credit Union on 2. 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.
Where both have branches
- Long Prairie, MN
- Wadena, MN