Side-by-side · Q2 2026 data
The First National Bank at St. James vs Southpoint Financial Credit Union
Bank
The First National Bank at St. James
Saint James, Minnesota · Under $100 million in assets
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | The First National Bank at St. James | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 37 | 62 (stronger) |
| Loan quality | 91 | 94 (stronger) |
| Earnings | 51 | 51 |
| Funding & liquidity | 94 (stronger) | 73 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 33rd | 60th |
| Total assets | $37.9M | $608.9M |
| Deposits / shares | $34.6M | $536.1M |
| Capital ratio | 8.68% | 11.17% (stronger) |
| Problem loans | 0.27% | 0.17% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.18% |
| Return on assets | 0.79% (stronger) | 0.77% |
| Loans ÷ deposits | 65.9% (stronger) | 86.8% |
| Uninsured deposits | 4.5% (stronger) | 7.1% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southpoint Financial Credit Union has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank at St. James leads on 4 and Southpoint Financial Credit Union on 3. 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.