Side-by-side · Q2 2026 data
Produce State Bank vs Federated Employees Credit Union
Credit union
Federated Employees Credit Union
Owatonna, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Produce State Bank | Federated Employees Credit Union |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 53 | 82 (stronger) |
| Loan quality | 58 | 94 (stronger) |
| Earnings | 73 (stronger) | 51 |
| Funding & liquidity | 98 (stronger) | 95 |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 40th | 70th |
| Total assets | $107.2M | $66.7M |
| Deposits / shares | $94.6M | $57.9M |
| Capital ratio | 10.33% | 13.17% (stronger) |
| Problem loans | 1.26% | 0.19% (stronger) |
| Net charge-offs | -0.15% (stronger) | 0.38% |
| Return on assets | 1.31% (stronger) | 0.78% |
| Loans ÷ deposits | 62.6% (stronger) | 65.3% |
| Uninsured deposits | 9.8% | 1.5% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Federated Employees Credit Union has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Produce State Bank leads on 3 and Federated Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.