Side-by-side · Q2 2026 data
Currency Bank vs P.H.I. Federal Credit Union
Metric by metric
| Measure | Currency Bank | P.H.I. Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 55 |
| Capital cushion | 84 (stronger) | 20 |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 98 (stronger) | 0 |
| Funding & liquidity | 50 | 92 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 90th | 15th |
| Total assets | $248.5M | $4.9M |
| Deposits / shares | $203.2M | $4.5M |
| Capital ratio | 13.38% (stronger) | 6.97% |
| Problem loans | 0.14% | 0.00% (stronger) |
| Net charge-offs | -0.05% | -0.13% (stronger) |
| Return on assets | 1.95% (stronger) | -0.59% |
| Loans ÷ deposits | 93.0% | 68.6% (stronger) |
| Uninsured deposits | 30.3% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Currency Bank has the higher TellerScore (86 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Currency Bank leads on 3 and P.H.I. 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.