Side-by-side · Q2 2026 data
Sidney State Bank vs River Valley Credit Union
Metric by metric
| Measure | Sidney State Bank | River Valley Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 74 |
| Capital cushion | 46 | 71 (stronger) |
| Loan quality | 98 (stronger) | 79 |
| Earnings | 97 (stronger) | 48 |
| Funding & liquidity | 83 | 92 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 77th | 63rd |
| Total assets | $138.7M | $124.0M |
| Deposits / shares | $123.1M | $107.5M |
| Capital ratio | 9.65% | 12.13% (stronger) |
| Problem loans | 0.06% (stronger) | 0.63% |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 1.93% (stronger) | 0.71% |
| Loans ÷ deposits | 73.8% | 68.6% (stronger) |
| Uninsured deposits | 18.1% | 2.1% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Sidney State Bank has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Sidney State Bank leads on 4 and River Valley Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.