Side-by-side · Q2 2026 data
Civista Bank vs Erie Community Federal Credit Union
Credit union
Erie Community Federal Credit Union
Sandusky, Ohio · Under $100 million in assets
Metric by metric
| Measure | Civista Bank | Erie Community Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 53 |
| Capital cushion | 77 (stronger) | 34 |
| Loan quality | 69 (stronger) | 33 |
| Earnings | 78 (stronger) | 67 |
| Funding & liquidity | 64 | 94 (stronger) |
| Problem-loan coverage | 91 (stronger) | 71 |
| Peer percentile | 77th | 12th |
| Total assets | $4.3B | $39.9M |
| Deposits / shares | $3.5B | $36.4M |
| Capital ratio | 12.71% (stronger) | 8.36% |
| Problem loans | 0.92% (stronger) | 2.02% |
| Net charge-offs | 0.05% (stronger) | 0.34% |
| Return on assets | 1.45% (stronger) | 1.18% |
| Loans ÷ deposits | 92.4% | 66.3% (stronger) |
| Uninsured deposits | 18.3% | 7.4% (stronger) |
| Offices | 42 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Civista Bank has the higher TellerScore (75 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Civista Bank leads on 5 and Erie Community Federal Credit Union on 2. 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.