Side-by-side · Q2 2026 data
Acme Federal Credit Union vs Theory Federal Credit Union
Credit union
Theory Federal Credit Union
Painesville, Ohio · Under $100 million in assets
Metric by metric
| Measure | Acme Federal Credit Union | Theory Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 46 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 94 (stronger) | 30 |
| Earnings | 48 (stronger) | 24 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 76 |
| Peer percentile | 85th | 6th |
| Total assets | $15.2M | $38.4M |
| Deposits / shares | $12.2M | $36.0M |
| Capital ratio | 18.94% (stronger) | 8.65% |
| Problem loans | 0.18% (stronger) | 2.11% |
| Net charge-offs | 0.33% (stronger) | 1.19% |
| Return on assets | 0.69% (stronger) | 0.10% |
| Loans ÷ deposits | 36.8% (stronger) | 53.5% |
| Uninsured deposits | 14.9% | 0.1% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Acme Federal Credit Union has the higher TellerScore (88 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Acme Federal Credit Union leads on 6 and Theory Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.