Side-by-side · Q2 2026 data
Think Mutual Bank vs St. Paul Federal Credit Union
Metric by metric
| Measure | Think Mutual Bank | St. Paul Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 92 | 93 (stronger) |
| Earnings | 45 | 46 (stronger) |
| Funding & liquidity | 95 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 97th | 68th |
| Total assets | $2.2B | $252.1M |
| Deposits / shares | $1.9B | $215.2M |
| Capital ratio | 16.25% (stronger) | 12.93% |
| Problem loans | 0.25% | 0.20% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.22% |
| Return on assets | 0.63% | 0.66% (stronger) |
| Loans ÷ deposits | 64.8% (stronger) | 92.7% |
| Uninsured deposits | 5.8% (stronger) | 15.5% |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | 7.5% |
Think Mutual Bank has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Think Mutual Bank leads on 5 and St. Paul Federal Credit Union on 2. 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.