Side-by-side · Q2 2026 data
Welcome State Bank vs Fairmont School Employees Federal Credit Union
Credit union
Fairmont School Employees Federal Credit Union
Fairmont, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Welcome State Bank | Fairmont School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 62 |
| Capital cushion | 78 (stronger) | 54 |
| Loan quality | 100 (stronger) | 67 |
| Earnings | 100 (stronger) | 44 |
| Funding & liquidity | 80 (stronger) | 75 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 89th | 24th |
| Total assets | $44.3M | $4.3M |
| Deposits / shares | $38.1M | $3.8M |
| Capital ratio | 12.81% (stronger) | 10.45% |
| Problem loans | 0.00% (stronger) | 0.98% |
| Net charge-offs | -0.05% (stronger) | 0.77% |
| Return on assets | 2.94% (stronger) | 0.61% |
| Loans ÷ deposits | 79.0% (stronger) | 85.6% |
| Uninsured deposits | 16.1% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Welcome State Bank has the higher TellerScore (90 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Welcome State Bank leads on 6 and Fairmont School Employees Federal Credit Union on 1. 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.