Side-by-side · Q2 2026 data
Common Cents Federal Credit Union vs Pear Orchard Federal Credit Union
Credit union
Common Cents Federal Credit Union
Beaumont, Texas · Under $100 million in assets
Credit union
Pear Orchard Federal Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Common Cents Federal Credit Union | Pear Orchard Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 52 |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 90 (stronger) | 0 |
| Earnings | 100 (stronger) | 33 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 0 |
| Peer percentile | 83rd | 11th |
| Total assets | $34.2M | $893K |
| Deposits / shares | $30.0M | $678K |
| Capital ratio | 12.13% | 23.83% (stronger) |
| Problem loans | 0.30% (stronger) | 34.39% |
| Net charge-offs | 0.66% | 0.00% (stronger) |
| Return on assets | 2.37% (stronger) | 0.32% |
| Loans ÷ deposits | 73.0% | 60.1% (stronger) |
| Uninsured deposits | 1.9% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Common Cents Federal Credit Union has the higher TellerScore (87 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Common Cents Federal Credit Union leads on 3 and Pear Orchard Federal Credit Union on 4. 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.