Side-by-side · Q2 2026 data
Commencement Bank vs Peninsula Community Federal Credit Union
Credit union
Peninsula Community Federal Credit Union
Shelton, Washington · $100 million – $1 billion
Metric by metric
| Measure | Commencement Bank | Peninsula Community Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 68 |
| Capital cushion | 53 | 67 (stronger) |
| Loan quality | 97 (stronger) | 65 |
| Earnings | 60 (stronger) | 50 |
| Funding & liquidity | 45 | 84 (stronger) |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 40th | 45th |
| Total assets | $739.6M | $304.2M |
| Deposits / shares | $660.2M | $267.4M |
| Capital ratio | 10.30% | 11.74% (stronger) |
| Problem loans | 0.09% (stronger) | 1.06% |
| Net charge-offs | 0.05% (stronger) | 0.86% |
| Return on assets | 0.99% (stronger) | 0.76% |
| Loans ÷ deposits | 83.3% | 76.2% (stronger) |
| Uninsured deposits | 44.0% | 2.9% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commencement Bank has the higher TellerScore (69 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Commencement Bank leads on 4 and Peninsula Community Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.