Side-by-side · Q2 2026 data
My Credit Union vs St. Cloud Financial Credit Union
Metric by metric
| Measure | My Credit Union | St. Cloud Financial Credit Union |
|---|---|---|
| TellerScore | 51 | 57 (stronger) |
| Capital cushion | 44 (stronger) | 22 |
| Loan quality | 59 | 90 (stronger) |
| Earnings | 25 | 42 (stronger) |
| Funding & liquidity | 67 (stronger) | 65 |
| Problem-loan coverage | 78 | 93 (stronger) |
| Peer percentile | 7th | 14th |
| Total assets | $366.4M | $456.4M |
| Deposits / shares | $328.7M | $399.9M |
| Capital ratio | 9.44% (stronger) | 7.22% |
| Problem loans | 1.23% | 0.31% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.12% |
| Return on assets | 0.14% | 0.55% (stronger) |
| Loans ÷ deposits | 93.0% (stronger) | 95.5% |
| Uninsured deposits | 8.6% | 4.9% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Cloud Financial Credit Union has the higher TellerScore (57 vs 51). On the 7 directional measures above (where higher or lower is clearly better), My Credit Union leads on 3 and St. Cloud Financial Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.