Side-by-side · Q2 2026 data
Sharepoint Credit Union vs St. Cloud Financial Credit Union
Metric by metric
| Measure | Sharepoint Credit Union | St. Cloud Financial Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 57 |
| Capital cushion | 68 (stronger) | 22 |
| Loan quality | 66 | 90 (stronger) |
| Earnings | 44 (stronger) | 42 |
| Funding & liquidity | 87 (stronger) | 65 |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 45th | 14th |
| Total assets | $360.1M | $456.4M |
| Deposits / shares | $317.6M | $399.9M |
| Capital ratio | 11.80% (stronger) | 7.22% |
| Problem loans | 1.02% | 0.31% (stronger) |
| Net charge-offs | 0.20% | 0.12% (stronger) |
| Return on assets | 0.60% (stronger) | 0.55% |
| Loans ÷ deposits | 73.2% (stronger) | 95.5% |
| Uninsured deposits | 5.1% | 4.9% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Sharepoint Credit Union has the higher TellerScore (68 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Sharepoint Credit Union leads on 4 and St. Cloud Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.