Side-by-side · Q2 2026 data
Erie Community Federal Credit Union vs Theory Federal Credit Union
Credit union
Erie Community Federal Credit Union
Sandusky, Ohio · Under $100 million in assets
Credit union
Theory Federal Credit Union
Painesville, Ohio · Under $100 million in assets
Metric by metric
| Measure | Erie Community Federal Credit Union | Theory Federal Credit Union |
|---|---|---|
| TellerScore | 53 (stronger) | 46 |
| Capital cushion | 34 | 37 (stronger) |
| Loan quality | 33 (stronger) | 30 |
| Earnings | 67 (stronger) | 24 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 71 | 76 (stronger) |
| Peer percentile | 12th | 6th |
| Total assets | $39.9M | $38.4M |
| Deposits / shares | $36.4M | $36.0M |
| Capital ratio | 8.36% | 8.65% (stronger) |
| Problem loans | 2.02% (stronger) | 2.11% |
| Net charge-offs | 0.34% (stronger) | 1.19% |
| Return on assets | 1.18% (stronger) | 0.10% |
| Loans ÷ deposits | 66.3% | 53.5% (stronger) |
| Uninsured deposits | 7.4% | 0.1% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Erie Community Federal Credit Union has the higher TellerScore (53 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Erie Community Federal Credit Union leads on 4 and Theory Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.