Side-by-side · Q2 2026 data
The State Bank of Faribault vs Federated Employees Credit Union
Credit union
Federated Employees Credit Union
Owatonna, Minnesota · Under $100 million in assets
Metric by metric
| Measure | The State Bank of Faribault | Federated Employees Credit Union |
|---|---|---|
| TellerScore | 71 | 82 (stronger) |
| Capital cushion | 43 | 82 (stronger) |
| Loan quality | 96 (stronger) | 94 |
| Earnings | 65 (stronger) | 51 |
| Funding & liquidity | 85 | 95 (stronger) |
| Problem-loan coverage | 80 | 98 (stronger) |
| Peer percentile | 47th | 70th |
| Total assets | $329.2M | $66.7M |
| Deposits / shares | $301.4M | $57.9M |
| Capital ratio | 9.31% | 13.17% (stronger) |
| Problem loans | 0.13% (stronger) | 0.19% |
| Net charge-offs | -0.06% (stronger) | 0.38% |
| Return on assets | 1.14% (stronger) | 0.78% |
| Loans ÷ deposits | 58.4% (stronger) | 65.3% |
| Uninsured deposits | 28.7% | 1.5% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Federated Employees Credit Union has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The State Bank of Faribault leads on 4 and Federated Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.