Side-by-side · Q2 2026 data
Sidney Federal Credit Union vs Beginnings Credit Union
Metric by metric
| Measure | Sidney Federal Credit Union | Beginnings Credit Union |
|---|---|---|
| TellerScore | 67 | 77 (stronger) |
| Capital cushion | 55 | 90 (stronger) |
| Loan quality | 72 | 77 (stronger) |
| Earnings | 69 (stronger) | 49 |
| Funding & liquidity | 70 | 78 (stronger) |
| Problem-loan coverage | 86 | 93 (stronger) |
| Peer percentile | 47th | 82nd |
| Total assets | $1.3B | $1.5B |
| Deposits / shares | $1.1B | $1.3B |
| Capital ratio | 10.50% | 14.01% (stronger) |
| Problem loans | 0.85% | 0.69% (stronger) |
| Net charge-offs | 0.57% | 0.39% (stronger) |
| Return on assets | 1.23% (stronger) | 0.73% |
| Loans ÷ deposits | 90.1% | 82.3% (stronger) |
| Uninsured deposits | 6.9% (stronger) | 9.2% |
| Offices | 10 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | — |
Beginnings Credit Union has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Sidney Federal Credit Union leads on 2 and Beginnings Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.