Side-by-side · Q2 2026 data
Commercial Bank vs Peoples Choice Credit Union
Metric by metric
| Measure | Commercial Bank | Peoples Choice Credit Union |
|---|---|---|
| TellerScore | 62 | 75 (stronger) |
| Capital cushion | 33 | 100 (stronger) |
| Loan quality | 76 (stronger) | 47 |
| Earnings | 53 (stronger) | 43 |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 22nd | 52nd |
| Total assets | $382.2M | $6.7M |
| Deposits / shares | $354.2M | $4.9M |
| Capital ratio | 8.33% | 26.32% (stronger) |
| Problem loans | 0.72% (stronger) | 1.59% |
| Net charge-offs | 0.00% (stronger) | 1.03% |
| Return on assets | 0.82% (stronger) | 0.58% |
| Loans ÷ deposits | 48.8% (stronger) | 55.9% |
| Uninsured deposits | 26.2% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples Choice Credit Union has the higher TellerScore (75 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 4 and Peoples Choice Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Coffeyville, KS