Side-by-side · Q2 2026 data
Austin Capital Bank SSB vs Pecu Credit Union
Metric by metric
| Measure | Austin Capital Bank SSB | Pecu Credit Union |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 52 | 98 (stronger) |
| Loan quality | 90 (stronger) | 84 |
| Earnings | 58 (stronger) | 57 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 34th | 89th |
| Total assets | $395.4M | $431.4M |
| Deposits / shares | $308.4M | $368.7M |
| Capital ratio | 10.22% | 14.78% (stronger) |
| Problem loans | 0.30% (stronger) | 0.47% |
| Net charge-offs | -0.01% (stronger) | 0.45% |
| Return on assets | 0.95% (stronger) | 0.92% |
| Loans ÷ deposits | 110.1% | 60.6% (stronger) |
| Uninsured deposits | 13.0% | 10.9% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pecu Credit Union has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Austin Capital Bank SSB leads on 3 and Pecu Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.