Side-by-side · Q2 2026 data
Sidney State Bank vs Tri-Cities Credit Union
Metric by metric
| Measure | Sidney State Bank | Tri-Cities Credit Union |
|---|---|---|
| TellerScore | 80 | 86 (stronger) |
| Capital cushion | 46 | 89 (stronger) |
| Loan quality | 98 | 98 |
| Earnings | 97 (stronger) | 58 |
| Funding & liquidity | 83 | 89 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 77th | 80th |
| Total assets | $138.7M | $51.3M |
| Deposits / shares | $123.1M | $43.7M |
| Capital ratio | 9.65% | 13.92% (stronger) |
| Problem loans | 0.06% | 0.05% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.13% |
| Return on assets | 1.93% (stronger) | 0.96% |
| Loans ÷ deposits | 73.8% | 71.4% (stronger) |
| Uninsured deposits | 18.1% | 5.5% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Tri-Cities Credit Union has the higher TellerScore (86 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Sidney State Bank leads on 2 and Tri-Cities Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.