Side-by-side · Q2 2026 data
Minnesota Valley Federal Credit Union vs Centricity Credit Union
Credit union
Minnesota Valley Federal Credit Union
Mankato, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Minnesota Valley Federal Credit Union | Centricity Credit Union |
|---|---|---|
| TellerScore | 77 | 85 (stronger) |
| Capital cushion | 65 | 90 (stronger) |
| Loan quality | 81 (stronger) | 74 |
| Earnings | 63 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 71st | 87th |
| Total assets | $329.0M | $340.5M |
| Deposits / shares | $289.7M | $277.4M |
| Capital ratio | 11.48% | 13.97% (stronger) |
| Problem loans | 0.56% (stronger) | 0.79% |
| Net charge-offs | 0.11% (stronger) | 0.46% |
| Return on assets | 1.06% | 2.13% (stronger) |
| Loans ÷ deposits | 58.1% (stronger) | 90.6% |
| Uninsured deposits | 4.6% | 4.6% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | 13.0% |
Centricity Credit Union has the higher TellerScore (85 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Minnesota Valley Federal Credit Union leads on 3 and Centricity Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.