Side-by-side · Q2 2026 data
Trustar Federal Credit Union vs Southpoint Financial Credit Union
Credit union
Trustar Federal Credit Union
International F, Minnesota · $100 million – $1 billion
Credit union
Southpoint Financial Credit Union
Sleepy Eye, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Trustar Federal Credit Union | Southpoint Financial Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 88 | 94 (stronger) |
| Earnings | 77 (stronger) | 51 |
| Funding & liquidity | 70 | 73 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 92nd | 60th |
| Total assets | $376.7M | $608.9M |
| Deposits / shares | $313.5M | $536.1M |
| Capital ratio | 15.42% (stronger) | 11.17% |
| Problem loans | 0.36% | 0.17% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.18% |
| Return on assets | 1.42% (stronger) | 0.77% |
| Loans ÷ deposits | 90.0% | 86.8% (stronger) |
| Uninsured deposits | 9.2% | 7.1% (stronger) |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Trustar Federal Credit Union has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Trustar Federal Credit Union leads on 4 and Southpoint Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.