Side-by-side · Q2 2026 data
First Federal Savings Bank vs Sheboygan Area Credit Union
Credit union
Sheboygan Area Credit Union
Sheboygan, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | First Federal Savings Bank | Sheboygan Area Credit Union |
|---|---|---|
| TellerScore | 54 | 97 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 37 | 96 (stronger) |
| Earnings | 71 | 96 (stronger) |
| Funding & liquidity | 43 | 92 (stronger) |
| Problem-loan coverage | 74 | 99 (stronger) |
| Peer percentile | 10th | 98th |
| Total assets | $553.6M | $93.4M |
| Deposits / shares | $459.9M | $78.1M |
| Capital ratio | 10.46% | 15.26% (stronger) |
| Problem loans | 1.88% | 0.13% (stronger) |
| Net charge-offs | 0.03% | 0.01% (stronger) |
| Return on assets | 1.27% | 1.90% (stronger) |
| Loans ÷ deposits | 89.8% | 67.9% (stronger) |
| Uninsured deposits | 39.7% | 2.3% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | 7.6% |
Sheboygan Area Credit Union has the higher TellerScore (97 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings Bank leads on 0 and Sheboygan Area Credit Union on 7. 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.