Side-by-side · Q2 2026 data
Minnwest Bank vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Minnwest Bank | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 58 | 62 (stronger) |
| Loan quality | 81 | 94 (stronger) |
| Earnings | 66 (stronger) | 51 |
| Funding & liquidity | 57 | 73 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 49th | 60th |
| Total assets | $2.9B | $608.9M |
| Deposits / shares | $2.6B | $536.1M |
| Capital ratio | 10.80% | 11.17% (stronger) |
| Problem loans | 0.56% | 0.17% (stronger) |
| Net charge-offs | 0.20% | 0.18% (stronger) |
| Return on assets | 1.14% (stronger) | 0.77% |
| Loans ÷ deposits | 90.3% | 86.8% (stronger) |
| Uninsured deposits | 26.4% | 7.1% (stronger) |
| Offices | 33 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.9% | — |
Southpoint Financial Credit Union has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Minnwest Bank leads on 1 and Southpoint Financial Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.