Side-by-side · Q2 2026 data
Summit Choice Federal Credit Union vs Sheboygan Area Credit Union
Credit union
Sheboygan Area Credit Union
Sheboygan, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Summit Choice Federal Credit Union | Sheboygan Area Credit Union |
|---|---|---|
| TellerScore | 72 | 97 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 78 | 96 (stronger) |
| Earnings | 43 | 96 (stronger) |
| Funding & liquidity | 76 | 92 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 57th | 98th |
| Total assets | $206.6M | $93.4M |
| Deposits / shares | $179.5M | $78.1M |
| Capital ratio | 12.58% | 15.26% (stronger) |
| Problem loans | 0.66% | 0.13% (stronger) |
| Net charge-offs | 0.64% | 0.01% (stronger) |
| Return on assets | 0.57% | 1.90% (stronger) |
| Loans ÷ deposits | 84.1% | 67.9% (stronger) |
| Uninsured deposits | 4.8% | 2.3% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.6% |
Sheboygan Area Credit Union has the higher TellerScore (97 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Summit Choice Federal Credit Union leads on 0 and Sheboygan Area Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.