Side-by-side · Q2 2026 data
The First National Bank of Fairfax vs Southpoint Financial Credit Union
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | The First National Bank of Fairfax | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 67 | 73 (stronger) |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 0 | 94 (stronger) |
| Earnings | 64 (stronger) | 51 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 30th | 60th |
| Total assets | $35.6M | $608.9M |
| Deposits / shares | $21.9M | $536.1M |
| Capital ratio | 38.46% (stronger) | 11.17% |
| Problem loans | 8.68% | 0.17% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.18% |
| Return on assets | 1.10% (stronger) | 0.77% |
| Loans ÷ deposits | 42.8% (stronger) | 86.8% |
| Uninsured deposits | 9.6% | 7.1% (stronger) |
| 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 67). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fairfax 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.