Side-by-side · Q2 2026 data
Minnesota First Credit and Savings, Incorporated vs Federated Employees Credit Union
Bank
Minnesota First Credit and Savings, Incorporated
Rochester, Minnesota · Under $100 million in assets
Credit union
Federated Employees Credit Union
Owatonna, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Minnesota First Credit and Savings, Incorporated | Federated Employees Credit Union |
|---|---|---|
| TellerScore | 76 | 82 (stronger) |
| Capital cushion | 92 (stronger) | 82 |
| Loan quality | 96 (stronger) | 94 |
| Earnings | 32 | 51 (stronger) |
| Funding & liquidity | 54 | 95 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 56th | 70th |
| Total assets | $29.9M | $66.7M |
| Deposits / shares | $24.9M | $57.9M |
| Capital ratio | 14.16% (stronger) | 13.17% |
| Problem loans | 0.12% (stronger) | 0.19% |
| Net charge-offs | 0.00% (stronger) | 0.38% |
| Return on assets | 0.31% | 0.78% (stronger) |
| Loans ÷ deposits | 106.4% | 65.3% (stronger) |
| Uninsured deposits | 0.2% (stronger) | 1.5% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Federated Employees Credit Union has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Minnesota First Credit and Savings, Incorporated leads on 4 and Federated Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.