Side-by-side · Q2 2026 data
Sidney State Bank vs Montcalm Public Employees Credit Union
Credit union
Montcalm Public Employees Credit Union
Edmore, Michigan · Under $100 million in assets
Metric by metric
| Measure | Sidney State Bank | Montcalm Public Employees Credit Union |
|---|---|---|
| TellerScore | 80 | 84 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 98 (stronger) | 60 |
| Earnings | 97 (stronger) | 72 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 77th | 75th |
| Total assets | $138.7M | $26.9M |
| Deposits / shares | $123.1M | $22.3M |
| Capital ratio | 9.65% | 16.88% (stronger) |
| Problem loans | 0.06% (stronger) | 1.19% |
| Net charge-offs | -0.01% (stronger) | 0.78% |
| Return on assets | 1.93% (stronger) | 1.30% |
| Loans ÷ deposits | 73.8% | 31.5% (stronger) |
| Uninsured deposits | 18.1% | 9.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Montcalm Public Employees Credit Union has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Sidney State Bank leads on 3 and Montcalm Public Employees Credit Union on 4. 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.