Side-by-side · Q2 2026 data
Softite Community Federal Credit Union vs Theory Federal Credit Union
Credit union
Softite Community Federal Credit Union
Martins Ferry, Ohio · Under $100 million in assets
Credit union
Theory Federal Credit Union
Painesville, Ohio · Under $100 million in assets
Metric by metric
| Measure | Softite Community Federal Credit Union | Theory Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 46 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 3 | 30 (stronger) |
| Earnings | 93 (stronger) | 24 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 83 (stronger) | 76 |
| Peer percentile | 47th | 6th |
| Total assets | $37.6M | $38.4M |
| Deposits / shares | $31.6M | $36.0M |
| Capital ratio | 15.68% (stronger) | 8.65% |
| Problem loans | 2.91% | 2.11% (stronger) |
| Net charge-offs | -0.17% (stronger) | 1.19% |
| Return on assets | 1.81% (stronger) | 0.10% |
| Loans ÷ deposits | 53.9% | 53.5% (stronger) |
| Uninsured deposits | 3.0% | 0.1% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Softite Community Federal Credit Union has the higher TellerScore (73 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Softite Community Federal Credit Union leads on 4 and Theory Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.