Side-by-side · Q2 2026 data
Pine Country Bank vs St. Cloud Financial Credit Union
Metric by metric
| Measure | Pine Country Bank | St. Cloud Financial Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 57 |
| Capital cushion | 52 (stronger) | 22 |
| Loan quality | 98 (stronger) | 90 |
| Earnings | 76 (stronger) | 42 |
| Funding & liquidity | 85 (stronger) | 65 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 72nd | 14th |
| Total assets | $380.3M | $456.4M |
| Deposits / shares | $335.1M | $399.9M |
| Capital ratio | 10.24% (stronger) | 7.22% |
| Problem loans | 0.06% (stronger) | 0.31% |
| Net charge-offs | -0.00% (stronger) | 0.12% |
| Return on assets | 1.40% (stronger) | 0.55% |
| Loans ÷ deposits | 72.3% (stronger) | 95.5% |
| Uninsured deposits | 17.5% | 4.9% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Pine Country Bank has the higher TellerScore (78 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Pine Country Bank leads on 6 and St. Cloud Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.