Side-by-side · Q2 2026 data
Minerva Area Federal Credit Union vs Columbiana County School Empl Credit Union
Credit union
Minerva Area Federal Credit Union
Minerva, Ohio · Under $100 million in assets
Credit union
Columbiana County School Empl Credit Union
Lisbon, Ohio · Under $100 million in assets
Metric by metric
| Measure | Minerva Area Federal Credit Union | Columbiana County School Empl Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 74 |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 78 |
| Earnings | 73 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 94th | 49th |
| Total assets | $17.9M | $6.0M |
| Deposits / shares | $15.1M | $4.4M |
| Capital ratio | 15.08% | 25.39% (stronger) |
| Problem loans | 0.14% (stronger) | 0.65% |
| Net charge-offs | 2.54% | 1.21% (stronger) |
| Return on assets | 1.33% (stronger) | -6.39% |
| Loans ÷ deposits | 50.9% | 44.8% (stronger) |
| Uninsured deposits | 0.6% (stronger) | 1.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Minerva Area Federal Credit Union has the higher TellerScore (93 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Minerva Area Federal Credit Union leads on 4 and Columbiana County School Empl Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.