Side-by-side · Q2 2026 data
Think Mutual Bank vs Carpenters Federal Credit Union
Credit union
Carpenters Federal Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Think Mutual Bank | Carpenters Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 66 |
| Earnings | 45 | 74 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 97th | 80th |
| Total assets | $2.2B | $44.3M |
| Deposits / shares | $1.9B | $37.6M |
| Capital ratio | 16.25% (stronger) | 16.03% |
| Problem loans | 0.25% (stronger) | 1.01% |
| Net charge-offs | 0.05% (stronger) | 0.06% |
| Return on assets | 0.63% | 1.35% (stronger) |
| Loans ÷ deposits | 64.8% | 50.7% (stronger) |
| Uninsured deposits | 5.8% | 2.6% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Think Mutual Bank leads on 3 and Carpenters Federal 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.