Side-by-side · Q2 2026 data
Minnesota First Credit and Savings, Incorporated vs Think Mutual Bank
Bank
Minnesota First Credit and Savings, Incorporated
Rochester, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Minnesota First Credit and Savings, Incorporated | Think Mutual Bank |
|---|---|---|
| TellerScore | 76 | 86 (stronger) |
| Capital cushion | 92 | 100 (stronger) |
| Loan quality | 96 (stronger) | 92 |
| Earnings | 32 | 45 (stronger) |
| Funding & liquidity | 54 | 95 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 56th | 97th |
| Total assets | $29.9M | $2.2B |
| Deposits / shares | $24.9M | $1.9B |
| Capital ratio | 14.16% | 16.25% (stronger) |
| Problem loans | 0.12% (stronger) | 0.25% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 0.31% | 0.63% (stronger) |
| Loans ÷ deposits | 106.4% | 64.8% (stronger) |
| Uninsured deposits | 0.2% (stronger) | 5.8% |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.2% |
Think Mutual Bank has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Minnesota First Credit and Savings, Incorporated leads on 3 and Think Mutual Bank 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.