Side-by-side · Q2 2026 data
Sidney State Bank vs Pfcu Credit Union
Metric by metric
| Measure | Sidney State Bank | Pfcu Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 77 |
| Capital cushion | 46 | 63 (stronger) |
| Loan quality | 98 (stronger) | 88 |
| Earnings | 97 (stronger) | 66 |
| Funding & liquidity | 83 | 87 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 77th | 71st |
| Total assets | $138.7M | $873.2M |
| Deposits / shares | $123.1M | $770.3M |
| Capital ratio | 9.65% | 11.29% (stronger) |
| Problem loans | 0.06% (stronger) | 0.37% |
| Net charge-offs | -0.01% (stronger) | 0.44% |
| Return on assets | 1.93% (stronger) | 1.15% |
| Loans ÷ deposits | 73.8% | 73.2% (stronger) |
| Uninsured deposits | 18.1% | 4.7% (stronger) |
| Offices | 3 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Sidney State Bank has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Sidney State Bank leads on 4 and Pfcu Credit Union on 3. 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.