Side-by-side · Q2 2026 data
Minnco Credit Union vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Minnco Credit Union | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 70 | 73 (stronger) |
| Capital cushion | 49 | 62 (stronger) |
| Loan quality | 85 | 94 (stronger) |
| Earnings | 56 (stronger) | 51 |
| Funding & liquidity | 92 (stronger) | 73 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 51st | 60th |
| Total assets | $604.7M | $608.9M |
| Deposits / shares | $530.6M | $536.1M |
| Capital ratio | 9.95% | 11.17% (stronger) |
| Problem loans | 0.44% | 0.17% (stronger) |
| Net charge-offs | 0.50% | 0.18% (stronger) |
| Return on assets | 0.91% (stronger) | 0.77% |
| Loans ÷ deposits | 68.0% (stronger) | 86.8% |
| Uninsured deposits | 8.1% | 7.1% (stronger) |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.0% | — |
Southpoint Financial Credit Union has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Minnco Credit Union leads on 2 and Southpoint Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.