Side-by-side · Q2 2026 data
Southwest Heritage Bank vs Mayo Employees Federal Credit Union
Credit union
Mayo Employees Federal Credit Union
Rochester, Minnesota · $1 billion – $10 billion
Metric by metric
| Measure | Southwest Heritage Bank | Mayo Employees Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 98 (stronger) |
| Capital cushion | 84 | 99 (stronger) |
| Loan quality | 78 | 98 (stronger) |
| Earnings | 56 | 92 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 53rd | 100th |
| Total assets | $892.8M | $1.5B |
| Deposits / shares | $753.6M | $1.3B |
| Capital ratio | 13.36% | 14.90% (stronger) |
| Problem loans | 0.67% | 0.05% (stronger) |
| Net charge-offs | 0.29% | 0.02% (stronger) |
| Return on assets | 0.90% | 1.80% (stronger) |
| Loans ÷ deposits | 92.7% | 55.3% (stronger) |
| Uninsured deposits | 30.8% | 6.2% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.7% |
Mayo Employees Federal Credit Union has the higher TellerScore (98 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Southwest Heritage Bank leads on 0 and Mayo Employees Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.