Side-by-side · Q2 2026 data
The First Citizens National Bank of Upper Sandusky vs Your Legacy Federal Credit Union
Bank
The First Citizens National Bank of Upper Sandusky
Upper Sandusky, Ohio · $100 million – $1 billion
Metric by metric
| Measure | The First Citizens National Bank of Upper Sandusky | Your Legacy Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 64 |
| Capital cushion | 76 (stronger) | 52 |
| Loan quality | 100 (stronger) | 65 |
| Earnings | 39 | 43 (stronger) |
| Funding & liquidity | 85 | 98 (stronger) |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 72nd | 28th |
| Total assets | $389.9M | $79.1M |
| Deposits / shares | $327.1M | $72.4M |
| Capital ratio | 12.59% (stronger) | 10.21% |
| Problem loans | 0.01% (stronger) | 1.06% |
| Net charge-offs | -0.01% (stronger) | 1.89% |
| Return on assets | 0.48% | 0.58% (stronger) |
| Loans ÷ deposits | 74.2% | 62.0% (stronger) |
| Uninsured deposits | 15.8% | 5.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First Citizens National Bank of Upper Sandusky has the higher TellerScore (78 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The First Citizens National Bank of Upper Sandusky leads on 4 and Your Legacy Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.