Side-by-side · Q2 2026 data
Mini-Cassia Empl. Credit Union vs St Joe Valley Credit Union
Metric by metric
| Measure | Mini-Cassia Empl. Credit Union | St Joe Valley Credit Union |
|---|---|---|
| TellerScore | 59 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 19 | 80 (stronger) |
| Earnings | 27 | 78 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 83 | 95 (stronger) |
| Peer percentile | 20th | 65th |
| Total assets | $574K | $14.0M |
| Deposits / shares | $483K | $12.3M |
| Capital ratio | 15.43% (stronger) | 11.62% |
| Problem loans | 2.42% | 0.59% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.21% |
| Return on assets | 0.17% | 1.45% (stronger) |
| Loans ÷ deposits | 87.8% | 54.3% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St Joe Valley Credit Union has the higher TellerScore (80 vs 59). On the 6 directional measures above (where higher or lower is clearly better), Mini-Cassia Empl. Credit Union leads on 2 and St Joe Valley Credit Union on 4. 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.