Side-by-side · Q2 2026 data
State Bank of Jeffers vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | State Bank of Jeffers | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 73 |
| Capital cushion | 91 (stronger) | 62 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 100 (stronger) | 51 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 98th | 60th |
| Total assets | $37.1M | $608.9M |
| Deposits / shares | $31.2M | $536.1M |
| Capital ratio | 14.06% (stronger) | 11.17% |
| Problem loans | 0.00% (stronger) | 0.17% |
| Net charge-offs | -0.82% (stronger) | 0.18% |
| Return on assets | 2.24% (stronger) | 0.77% |
| Loans ÷ deposits | 60.3% (stronger) | 86.8% |
| Uninsured deposits | 5.2% (stronger) | 7.1% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of Jeffers has the higher TellerScore (97 vs 73). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Jeffers leads on 7 and Southpoint Financial Credit Union on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.