Side-by-side · Q2 2026 data
Scale Bank vs Ziegler Federal Credit Union
Credit union
Ziegler Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Scale Bank | Ziegler Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 87 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 98 (stronger) | 64 |
| Earnings | 100 (stronger) | 88 |
| Funding & liquidity | 9 | 91 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 84th | 83rd |
| Total assets | $626.7M | $4.3M |
| Deposits / shares | $423.1M | $3.2M |
| Capital ratio | 14.02% | 26.88% (stronger) |
| Problem loans | 0.06% (stronger) | 1.09% |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 2.32% (stronger) | 1.71% |
| Loans ÷ deposits | 119.9% | 69.0% (stronger) |
| Uninsured deposits | 52.2% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ziegler Federal Credit Union has the higher TellerScore (87 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Scale Bank leads on 3 and Ziegler Federal Credit Union on 4. 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.