Side-by-side · Q2 2026 data
Southpoint Financial Credit Union vs St. Cloud Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Southpoint Financial Credit Union | St. Cloud Financial Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 57 |
| Capital cushion | 62 (stronger) | 22 |
| Loan quality | 94 (stronger) | 90 |
| Earnings | 51 (stronger) | 42 |
| Funding & liquidity | 73 (stronger) | 65 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 60th | 14th |
| Total assets | $608.9M | $456.4M |
| Deposits / shares | $536.1M | $399.9M |
| Capital ratio | 11.17% (stronger) | 7.22% |
| Problem loans | 0.17% (stronger) | 0.31% |
| Net charge-offs | 0.18% | 0.12% (stronger) |
| Return on assets | 0.77% (stronger) | 0.55% |
| Loans ÷ deposits | 86.8% (stronger) | 95.5% |
| Uninsured deposits | 7.1% | 4.9% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southpoint Financial Credit Union has the higher TellerScore (73 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Southpoint Financial Credit Union leads on 5 and St. Cloud Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.