Side-by-side · Q2 2026 data
First Peoples Bank vs Regional Members Federal Credit Union
Credit union
Regional Members Federal Credit Union
Columbus, Georgia · Under $100 million in assets
Metric by metric
| Measure | First Peoples Bank | Regional Members Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 59 |
| Capital cushion | 78 | 82 (stronger) |
| Loan quality | 96 (stronger) | 44 |
| Earnings | 62 (stronger) | 0 |
| Funding & liquidity | 51 | 99 (stronger) |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 68th | 20th |
| Total assets | $449.4M | $9.6M |
| Deposits / shares | $379.2M | $8.3M |
| Capital ratio | 12.84% | 13.15% (stronger) |
| Problem loans | 0.12% (stronger) | 1.68% |
| Net charge-offs | 0.06% (stronger) | 0.97% |
| Return on assets | 1.04% (stronger) | -0.67% |
| Loans ÷ deposits | 92.6% | 60.9% (stronger) |
| Uninsured deposits | 29.8% | 2.2% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
First Peoples Bank has the higher TellerScore (77 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Peoples Bank leads on 4 and Regional Members Federal 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.