Side-by-side · Q2 2026 data
United Farmers State Bank vs Austin City Employees Credit Union
Credit union
Austin City Employees Credit Union
Austin, Minnesota · Under $100 million in assets
Metric by metric
| Measure | United Farmers State Bank | Austin City Employees Credit Union |
|---|---|---|
| TellerScore | 75 | 97 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 50 | 89 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 61st | 98th |
| Total assets | $233.8M | $11.6M |
| Deposits / shares | $181.6M | $9.3M |
| Capital ratio | 10.33% | 19.09% (stronger) |
| Problem loans | 0.33% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.12% (stronger) | 1.86% |
| Loans ÷ deposits | 112.0% | 71.5% (stronger) |
| Uninsured deposits | 13.9% | 2.9% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Austin City Employees Credit Union has the higher TellerScore (97 vs 75). On the 7 directional measures above (where higher or lower is clearly better), United Farmers State Bank leads on 2 and Austin City Employees 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.