Side-by-side · Q2 2026 data
Ziegler Federal Credit Union vs South Metro Federal Credit Union
Credit union
Ziegler Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Credit union
South Metro Federal Credit Union
Prior Lake, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Ziegler Federal Credit Union | South Metro Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 31 |
| Loan quality | 64 | 83 (stronger) |
| Earnings | 88 (stronger) | 22 |
| Funding & liquidity | 91 (stronger) | 51 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 83rd | 7th |
| Total assets | $4.3M | $184.8M |
| Deposits / shares | $3.2M | $173.3M |
| Capital ratio | 26.88% (stronger) | 8.09% |
| Problem loans | 1.09% | 0.50% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.33% |
| Return on assets | 1.71% (stronger) | 0.04% |
| Loans ÷ deposits | 69.0% (stronger) | 82.5% |
| Uninsured deposits | 0.0% (stronger) | 39.3% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.3% |
Ziegler Federal Credit Union has the higher TellerScore (87 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Ziegler Federal Credit Union leads on 6 and South Metro 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.