Side-by-side · Q2 2026 data
Theory Federal Credit Union vs Wiremen'S Credit Union
Credit union
Theory Federal Credit Union
Painesville, Ohio · Under $100 million in assets
Metric by metric
| Measure | Theory Federal Credit Union | Wiremen'S Credit Union |
|---|---|---|
| TellerScore | 46 | 92 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 30 | 96 (stronger) |
| Earnings | 24 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 76 | 99 (stronger) |
| Peer percentile | 6th | 92nd |
| Total assets | $38.4M | $40.6M |
| Deposits / shares | $36.0M | $33.5M |
| Capital ratio | 8.65% | 17.01% (stronger) |
| Problem loans | 2.11% | 0.11% (stronger) |
| Net charge-offs | 1.19% | -0.08% (stronger) |
| Return on assets | 0.10% | 1.07% (stronger) |
| Loans ÷ deposits | 53.5% | 51.9% (stronger) |
| Uninsured deposits | 0.1% | 0.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wiremen'S 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 0 and Wiremen'S Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.