Side-by-side · Q2 2026 data
Sharepoint Credit Union vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Sharepoint Credit Union | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 68 (stronger) | 62 |
| Loan quality | 66 | 94 (stronger) |
| Earnings | 44 | 51 (stronger) |
| Funding & liquidity | 87 (stronger) | 73 |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 45th | 60th |
| Total assets | $360.1M | $608.9M |
| Deposits / shares | $317.6M | $536.1M |
| Capital ratio | 11.80% (stronger) | 11.17% |
| Problem loans | 1.02% | 0.17% (stronger) |
| Net charge-offs | 0.20% | 0.18% (stronger) |
| Return on assets | 0.60% | 0.77% (stronger) |
| Loans ÷ deposits | 73.2% (stronger) | 86.8% |
| Uninsured deposits | 5.1% (stronger) | 7.1% |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Southpoint Financial Credit Union has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Sharepoint Credit Union leads on 3 and Southpoint Financial Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.