Side-by-side · Q2 2026 data
Ultima Bank Minnesota vs Red Lake Co Op Federal Credit Union
Credit union
Red Lake Co Op Federal Credit Union
Red Lake Falls, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Ultima Bank Minnesota | Red Lake Co Op Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 74 (stronger) |
| Capital cushion | 58 | 79 (stronger) |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 90 (stronger) | 20 |
| Funding & liquidity | 50 | 78 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 50th | 49th |
| Total assets | $333.9M | $7.0M |
| Deposits / shares | $277.3M | $6.1M |
| Capital ratio | 10.83% | 12.88% (stronger) |
| Problem loans | 0.62% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.76% (stronger) | 0.01% |
| Loans ÷ deposits | 112.2% | 81.8% (stronger) |
| Uninsured deposits | 10.7% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Red Lake Co Op Federal Credit Union has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Ultima Bank Minnesota leads on 2 and Red Lake Co Op Federal Credit Union on 5. 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.