Side-by-side · Q2 2026 data
Security Bank Minnesota vs Austin City Employees Credit Union
Credit union
Austin City Employees Credit Union
Austin, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Security Bank Minnesota | Austin City Employees Credit Union |
|---|---|---|
| TellerScore | 52 | 97 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 23 | 100 (stronger) |
| Earnings | 69 | 94 (stronger) |
| Funding & liquidity | 75 | 89 (stronger) |
| Problem-loan coverage | 70 | 100 (stronger) |
| Peer percentile | 8th | 98th |
| Total assets | $145.1M | $11.6M |
| Deposits / shares | $125.0M | $9.3M |
| Capital ratio | 9.78% | 19.09% (stronger) |
| Problem loans | 2.30% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.21% | 1.86% (stronger) |
| Loans ÷ deposits | 85.0% | 71.5% (stronger) |
| Uninsured deposits | 10.1% | 2.9% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Austin City Employees Credit Union has the higher TellerScore (97 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Security Bank Minnesota leads on 1 and Austin City Employees Credit Union on 6. 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.