Side-by-side · Q2 2026 data
Ghs Federal Credit Union vs Sidney Federal Credit Union
Metric by metric
| Measure | Ghs Federal Credit Union | Sidney Federal Credit Union |
|---|---|---|
| TellerScore | 46 | 67 (stronger) |
| Capital cushion | 47 | 55 (stronger) |
| Loan quality | 0 | 72 (stronger) |
| Earnings | 85 (stronger) | 69 |
| Funding & liquidity | 83 (stronger) | 70 |
| Problem-loan coverage | 28 | 86 (stronger) |
| Peer percentile | 3rd | 47th |
| Total assets | $252.7M | $1.3B |
| Deposits / shares | $217.1M | $1.1B |
| Capital ratio | 9.68% | 10.50% (stronger) |
| Problem loans | 4.90% | 0.85% (stronger) |
| Net charge-offs | 1.11% | 0.57% (stronger) |
| Return on assets | 1.62% (stronger) | 1.23% |
| Loans ÷ deposits | 77.3% (stronger) | 90.1% |
| Uninsured deposits | 5.3% (stronger) | 6.9% |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.2% | 13.9% |
Sidney Federal Credit Union has the higher TellerScore (67 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Ghs Federal Credit Union leads on 3 and Sidney Federal Credit Union on 4. 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.