Side-by-side · Q2 2026 data
Theory Federal Credit Union vs Members Choice Credit Union
Credit union
Theory Federal Credit Union
Painesville, Ohio · Under $100 million in assets
Metric by metric
| Measure | Theory Federal Credit Union | Members Choice Credit Union |
|---|---|---|
| TellerScore | 46 | 92 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 30 | 85 (stronger) |
| Earnings | 24 | 78 (stronger) |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 76 | 98 (stronger) |
| Peer percentile | 6th | 92nd |
| Total assets | $38.4M | $38.9M |
| Deposits / shares | $36.0M | $31.7M |
| Capital ratio | 8.65% | 17.95% (stronger) |
| Problem loans | 2.11% | 0.44% (stronger) |
| Net charge-offs | 1.19% | -1.11% (stronger) |
| Return on assets | 0.10% | 1.44% (stronger) |
| Loans ÷ deposits | 53.5% (stronger) | 61.6% |
| Uninsured deposits | 0.1% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Choice Credit Union has the higher TellerScore (92 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Theory Federal Credit Union leads on 1 and Members Choice Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.