Side-by-side · Q2 2026 data
Sidney State Bank vs Gratiot Community Credit Union
Metric by metric
| Measure | Sidney State Bank | Gratiot Community Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 71 |
| Capital cushion | 46 (stronger) | 41 |
| Loan quality | 98 (stronger) | 89 |
| Earnings | 97 (stronger) | 71 |
| Funding & liquidity | 83 | 83 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 77th | 42nd |
| Total assets | $138.7M | $59.7M |
| Deposits / shares | $123.1M | $53.1M |
| Capital ratio | 9.65% (stronger) | 9.13% |
| Problem loans | 0.06% (stronger) | 0.32% |
| Net charge-offs | -0.01% (stronger) | 0.37% |
| Return on assets | 1.93% (stronger) | 1.28% |
| Loans ÷ deposits | 73.8% (stronger) | 76.9% |
| Uninsured deposits | 18.1% | 2.2% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Sidney State Bank has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Sidney State Bank leads on 6 and Gratiot Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.