Side-by-side · Q2 2026 data
Chivaho 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 | Chivaho Federal Credit Union | Theory Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 46 |
| Capital cushion | 89 (stronger) | 37 |
| Loan quality | 91 (stronger) | 30 |
| Earnings | 50 (stronger) | 24 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 76 |
| Peer percentile | 75th | 6th |
| Total assets | $37.7M | $38.4M |
| Deposits / shares | $32.4M | $36.0M |
| Capital ratio | 13.88% (stronger) | 8.65% |
| Problem loans | 0.27% (stronger) | 2.11% |
| Net charge-offs | 0.87% (stronger) | 1.19% |
| Return on assets | 0.74% (stronger) | 0.10% |
| Loans ÷ deposits | 47.2% (stronger) | 53.5% |
| Uninsured deposits | 3.6% | 0.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chivaho Federal Credit Union has the higher TellerScore (84 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Chivaho 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.