Side-by-side · Q2 2026 data
Security Bank & Trust Company vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Security Bank & Trust Company | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 73 |
| Capital cushion | 44 | 62 (stronger) |
| Loan quality | 89 | 94 (stronger) |
| Earnings | 98 (stronger) | 51 |
| Funding & liquidity | 60 | 73 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 74th | 60th |
| Total assets | $1.3B | $608.9M |
| Deposits / shares | $1.2B | $536.1M |
| Capital ratio | 9.37% | 11.17% (stronger) |
| Problem loans | 0.34% | 0.17% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.18% |
| Return on assets | 1.96% (stronger) | 0.77% |
| Loans ÷ deposits | 71.3% (stronger) | 86.8% |
| Uninsured deposits | 40.9% | 7.1% (stronger) |
| Offices | 19 | 9 |
| CFPB complaints (3 yrs) | 124 | — |
| Complaints per $1B deposits | 103.3 | — |
| Mortgage denial rate (HMDA) | 2.6% | — |
Security Bank & Trust Company has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Security Bank & Trust Company leads on 4 and Southpoint Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Waconia, MN