Side-by-side · Q2 2026 data
Ziegler Federal Credit Union vs Carpenters Federal Credit Union
Credit union
Ziegler Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Credit union
Carpenters Federal Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Ziegler Federal Credit Union | Carpenters Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 64 | 66 (stronger) |
| Earnings | 88 (stronger) | 74 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 83rd | 80th |
| Total assets | $4.3M | $44.3M |
| Deposits / shares | $3.2M | $37.6M |
| Capital ratio | 26.88% (stronger) | 16.03% |
| Problem loans | 1.09% | 1.01% (stronger) |
| Net charge-offs | 0.10% | 0.06% (stronger) |
| Return on assets | 1.71% (stronger) | 1.35% |
| Loans ÷ deposits | 69.0% | 50.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ziegler Federal Credit Union has the higher TellerScore (87 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Ziegler Federal Credit Union leads on 4 and Carpenters Federal Credit Union on 3. 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.