Side-by-side · Q2 2026 data
Pioneer Bank vs Minnesota Valley Federal Credit Union
Credit union
Minnesota Valley Federal Credit Union
Mankato, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Pioneer Bank | Minnesota Valley Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 77 (stronger) |
| Capital cushion | 52 | 65 (stronger) |
| Loan quality | 81 | 81 |
| Earnings | 83 (stronger) | 63 |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 47th | 71st |
| Total assets | $883.8M | $329.0M |
| Deposits / shares | $763.0M | $289.7M |
| Capital ratio | 10.20% | 11.48% (stronger) |
| Problem loans | 0.58% | 0.56% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.11% |
| Return on assets | 1.57% (stronger) | 1.06% |
| Loans ÷ deposits | 84.2% | 58.1% (stronger) |
| Uninsured deposits | 22.6% | 4.6% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.4% | 5.2% |
Minnesota Valley Federal Credit Union has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank leads on 2 and Minnesota Valley Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.