Side-by-side · Q2 2026 data
Sidney Federal Credit Union vs U. H. S. Employees Federal Credit Union
Credit union
U. H. S. Employees Federal Credit Union
Johnson City, New York · Under $100 million in assets
Metric by metric
| Measure | Sidney Federal Credit Union | U. H. S. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 72 (stronger) |
| Capital cushion | 55 | 57 (stronger) |
| Loan quality | 72 (stronger) | 65 |
| Earnings | 69 | 75 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 86 | 91 (stronger) |
| Peer percentile | 47th | 44th |
| Total assets | $1.3B | $25.6M |
| Deposits / shares | $1.1B | $22.7M |
| Capital ratio | 10.50% | 10.66% (stronger) |
| Problem loans | 0.85% (stronger) | 1.05% |
| Net charge-offs | 0.57% | -0.02% (stronger) |
| Return on assets | 1.23% | 1.38% (stronger) |
| Loans ÷ deposits | 90.1% | 53.6% (stronger) |
| Uninsured deposits | 6.9% | 0.0% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | — |
U. H. S. Employees Federal Credit Union has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Sidney Federal Credit Union leads on 1 and U. H. S. Employees Federal Credit Union on 6. 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.