Side-by-side · Q2 2026 data
Pine River State Bank vs Mid Minnesota Federal Credit Union
Metric by metric
| Measure | Pine River State Bank | Mid Minnesota Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 67 (stronger) |
| Capital cushion | 35 | 43 (stronger) |
| Loan quality | 75 | 86 (stronger) |
| Earnings | 57 | 66 (stronger) |
| Funding & liquidity | 98 (stronger) | 68 |
| Problem-loan coverage | 87 | 90 (stronger) |
| Peer percentile | 26th | 41st |
| Total assets | $185.3M | $858.0M |
| Deposits / shares | $169.8M | $766.9M |
| Capital ratio | 8.48% | 9.30% (stronger) |
| Problem loans | 0.74% | 0.43% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | 0.92% | 1.15% (stronger) |
| Loans ÷ deposits | 62.2% (stronger) | 92.3% |
| Uninsured deposits | 13.3% | 6.1% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | — |
Mid Minnesota Federal Credit Union has the higher TellerScore (67 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Pine River State Bank leads on 2 and Mid Minnesota Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.