Side-by-side · Q2 2026 data
Trustar Federal Credit Union vs St. Cloud Financial Credit Union
Credit union
Trustar Federal Credit Union
International F, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Trustar Federal Credit Union | St. Cloud Financial Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 22 |
| Loan quality | 88 | 90 (stronger) |
| Earnings | 77 (stronger) | 42 |
| Funding & liquidity | 70 (stronger) | 65 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 92nd | 14th |
| Total assets | $376.7M | $456.4M |
| Deposits / shares | $313.5M | $399.9M |
| Capital ratio | 15.42% (stronger) | 7.22% |
| Problem loans | 0.36% | 0.31% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.12% |
| Return on assets | 1.42% (stronger) | 0.55% |
| Loans ÷ deposits | 90.0% (stronger) | 95.5% |
| Uninsured deposits | 9.2% | 4.9% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Trustar Federal Credit Union has the higher TellerScore (88 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Trustar Federal Credit Union leads on 5 and St. Cloud Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.