Side-by-side · Q2 2026 data
First Citizens Bank vs Peoples Credit Union
Metric by metric
| Measure | First Citizens Bank | Peoples Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 50 |
| Capital cushion | 70 (stronger) | 56 |
| Loan quality | 95 (stronger) | 28 |
| Earnings | 100 (stronger) | 29 |
| Funding & liquidity | 43 | 84 (stronger) |
| Problem-loan coverage | 97 (stronger) | 73 |
| Peer percentile | 91st | 9th |
| Total assets | $1.8B | $91.4M |
| Deposits / shares | $1.6B | $80.8M |
| Capital ratio | 11.96% (stronger) | 10.57% |
| Problem loans | 0.16% (stronger) | 2.16% |
| Net charge-offs | 0.13% (stronger) | 2.62% |
| Return on assets | 2.09% (stronger) | 0.22% |
| Loans ÷ deposits | 83.2% | 76.0% (stronger) |
| Uninsured deposits | 45.6% | 9.3% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Citizens Bank has the higher TellerScore (81 vs 50). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 5 and Peoples Credit Union on 2. 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.