Side-by-side · Q2 2026 data
Sidney State Bank vs Community First Federal Credit Union
Credit union
Community First Federal Credit Union
Lakeview, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Sidney State Bank | Community First Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 45 |
| Capital cushion | 46 (stronger) | 34 |
| Loan quality | 98 (stronger) | 33 |
| Earnings | 97 (stronger) | 51 |
| Funding & liquidity | 83 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 60 |
| Peer percentile | 77th | 3rd |
| Total assets | $138.7M | $148.8M |
| Deposits / shares | $123.1M | $135.2M |
| Capital ratio | 9.65% (stronger) | 8.43% |
| Problem loans | 0.06% (stronger) | 2.02% |
| Net charge-offs | -0.01% (stronger) | 0.57% |
| Return on assets | 1.93% (stronger) | 0.77% |
| Loans ÷ deposits | 73.8% (stronger) | 92.8% |
| Uninsured deposits | 18.1% | 5.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 12.5% |
Sidney State Bank has the higher TellerScore (80 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Sidney State Bank leads on 6 and Community First Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.