Side-by-side · Q2 2026 data
St. Paschal Baylons Federal Credit Union vs Theory Federal Credit Union
Credit union
St. Paschal Baylons Federal Credit Union
Highland Height, Ohio · Under $100 million in assets
Credit union
Theory Federal Credit Union
Painesville, Ohio · Under $100 million in assets
Metric by metric
| Measure | St. Paschal Baylons Federal Credit Union | Theory Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 46 |
| Capital cushion | 77 (stronger) | 37 |
| Loan quality | 100 (stronger) | 30 |
| Earnings | 27 (stronger) | 24 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 76 |
| Peer percentile | 62nd | 6th |
| Total assets | $5.9M | $38.4M |
| Deposits / shares | $5.1M | $36.0M |
| Capital ratio | 12.67% (stronger) | 8.65% |
| Problem loans | 0.00% (stronger) | 2.11% |
| Net charge-offs | 0.00% (stronger) | 1.19% |
| Return on assets | 0.19% (stronger) | 0.10% |
| Loans ÷ deposits | 5.1% (stronger) | 53.5% |
| Uninsured deposits | 0.0% (stronger) | 0.1% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Paschal Baylons Federal Credit Union has the higher TellerScore (79 vs 46). On the 7 directional measures above (where higher or lower is clearly better), St. Paschal Baylons Federal Credit Union leads on 7 and Theory Federal Credit Union on 0. 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.