Side-by-side · Q2 2026 data
South Metro Federal Credit Union vs Carpenters Federal Credit Union
Credit union
South Metro Federal Credit Union
Prior Lake, Minnesota · $100 million – $1 billion
Credit union
Carpenters Federal Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | South Metro Federal Credit Union | Carpenters Federal Credit Union |
|---|---|---|
| TellerScore | 51 | 86 (stronger) |
| Capital cushion | 31 | 100 (stronger) |
| Loan quality | 83 (stronger) | 66 |
| Earnings | 22 | 74 (stronger) |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 7th | 80th |
| Total assets | $184.8M | $44.3M |
| Deposits / shares | $173.3M | $37.6M |
| Capital ratio | 8.09% | 16.03% (stronger) |
| Problem loans | 0.50% (stronger) | 1.01% |
| Net charge-offs | 0.33% | 0.06% (stronger) |
| Return on assets | 0.04% | 1.35% (stronger) |
| Loans ÷ deposits | 82.5% | 50.7% (stronger) |
| Uninsured deposits | 39.3% | 2.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | — |
Carpenters Federal Credit Union has the higher TellerScore (86 vs 51). On the 7 directional measures above (where higher or lower is clearly better), South Metro Federal Credit Union leads on 1 and Carpenters Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.