Side-by-side · Q2 2026 data
Minnesota Valley Federal Credit Union vs Southpoint Financial Credit Union
Credit union
Minnesota Valley Federal Credit Union
Mankato, Minnesota · $100 million – $1 billion
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Minnesota Valley Federal Credit Union | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 73 |
| Capital cushion | 65 (stronger) | 62 |
| Loan quality | 81 | 94 (stronger) |
| Earnings | 63 (stronger) | 51 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 71st | 60th |
| Total assets | $329.0M | $608.9M |
| Deposits / shares | $289.7M | $536.1M |
| Capital ratio | 11.48% (stronger) | 11.17% |
| Problem loans | 0.56% | 0.17% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.18% |
| Return on assets | 1.06% (stronger) | 0.77% |
| Loans ÷ deposits | 58.1% (stronger) | 86.8% |
| Uninsured deposits | 4.6% (stronger) | 7.1% |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | — |
Minnesota Valley Federal Credit Union has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Minnesota Valley Federal Credit Union leads on 6 and Southpoint Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.