Side-by-side · Q2 2026 data
St. Clair State Bank (Incorporated) vs Minnesota Valley Federal Credit Union
Bank
St. Clair State Bank (Incorporated)
Saint Clair, Minnesota · $100 million – $1 billion
Credit union
Minnesota Valley Federal Credit Union
Mankato, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | St. Clair State Bank (Incorporated) | Minnesota Valley Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 77 |
| Capital cushion | 61 | 65 (stronger) |
| Loan quality | 99 (stronger) | 81 |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 88th | 71st |
| Total assets | $134.4M | $329.0M |
| Deposits / shares | $118.4M | $289.7M |
| Capital ratio | 11.08% | 11.48% (stronger) |
| Problem loans | 0.03% (stronger) | 0.56% |
| Net charge-offs | 0.00% (stronger) | 0.11% |
| Return on assets | 2.18% (stronger) | 1.06% |
| Loans ÷ deposits | 83.0% | 58.1% (stronger) |
| Uninsured deposits | 15.0% | 4.6% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.2% |
St. Clair State Bank (Incorporated) has the higher TellerScore (85 vs 77). On the 7 directional measures above (where higher or lower is clearly better), St. Clair State Bank (Incorporated) leads on 4 and Minnesota Valley Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.