Side-by-side · Q2 2026 data
Sidney Federal Credit Union vs Oswego County Federal Credit Union
Metric by metric
| Measure | Sidney Federal Credit Union | Oswego County Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 63 |
| Capital cushion | 55 | 71 (stronger) |
| Loan quality | 72 (stronger) | 31 |
| Earnings | 69 | 70 (stronger) |
| Funding & liquidity | 70 | 82 (stronger) |
| Problem-loan coverage | 86 (stronger) | 77 |
| Peer percentile | 47th | 29th |
| Total assets | $1.3B | $152.5M |
| Deposits / shares | $1.1B | $132.7M |
| Capital ratio | 10.50% | 12.07% (stronger) |
| Problem loans | 0.85% (stronger) | 2.06% |
| Net charge-offs | 0.57% | 0.39% (stronger) |
| Return on assets | 1.23% | 1.24% (stronger) |
| Loans ÷ deposits | 90.1% | 78.7% (stronger) |
| Uninsured deposits | 6.9% | 3.8% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | 8.8% |
Sidney Federal Credit Union has the higher TellerScore (67 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Sidney Federal Credit Union leads on 2 and Oswego County Federal Credit Union on 5. 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.