Side-by-side · Q2 2026 data
Peoples State Bank of Velva vs Minot Area Schools Federal Credit Union
Credit union
Minot Area Schools Federal Credit Union
Minot, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Peoples State Bank of Velva | Minot Area Schools Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 69 |
| Capital cushion | 43 (stronger) | 40 |
| Loan quality | 97 | 98 (stronger) |
| Earnings | 83 (stronger) | 35 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 53rd | 38th |
| Total assets | $210.0M | $14.8M |
| Deposits / shares | $184.4M | $13.4M |
| Capital ratio | 9.31% (stronger) | 9.04% |
| Problem loans | 0.10% | 0.06% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 1.58% (stronger) | 0.36% |
| Loans ÷ deposits | 81.8% | 42.3% (stronger) |
| Uninsured deposits | 27.2% | 2.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples State Bank of Velva has the higher TellerScore (73 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank of Velva leads on 4 and Minot Area Schools Federal Credit Union on 3. 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.