Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs Sylvania Area Federal Credit Union
Metric by metric
| Measure | First Federal Savings and Loan Association | Sylvania Area Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 63 (stronger) | 39 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 98th | 40th |
| Total assets | $246.0M | $24.2M |
| Deposits / shares | $205.9M | $22.2M |
| Capital ratio | 16.48% (stronger) | 9.79% |
| Problem loans | 0.00% (stronger) | 0.30% |
| Net charge-offs | 0.00% | -0.69% (stronger) |
| Return on assets | 1.07% (stronger) | 0.46% |
| Loans ÷ deposits | 55.8% | 34.5% (stronger) |
| Uninsured deposits | 3.7% | 0.4% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | — |
First Federal Savings and Loan Association has the higher TellerScore (93 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 4 and Sylvania Area Federal Credit Union on 3. 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.