Side-by-side · Q2 2026 data
Pine Country Bank vs Magnifi Financial Credit Union
Metric by metric
| Measure | Pine Country Bank | Magnifi Financial Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 52 | 60 (stronger) |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 76 (stronger) | 44 |
| Funding & liquidity | 85 (stronger) | 61 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 72nd | 50th |
| Total assets | $380.3M | $2.8B |
| Deposits / shares | $335.1M | $2.3B |
| Capital ratio | 10.24% | 11.04% (stronger) |
| Problem loans | 0.06% (stronger) | 0.21% |
| Net charge-offs | -0.00% (stronger) | 0.20% |
| Return on assets | 1.40% (stronger) | 0.61% |
| Loans ÷ deposits | 72.3% (stronger) | 99.6% |
| Uninsured deposits | 17.5% | 13.9% (stronger) |
| Offices | 4 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 12.6% |
Pine Country Bank has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Pine Country Bank leads on 5 and Magnifi Financial Credit Union on 2. 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.
Where both have branches
- Little Falls, MN
- Sauk Centre, MN