Side-by-side · Q2 2026 data
First Peoples Bank vs The Southern Credit Union
Metric by metric
| Measure | First Peoples Bank | The Southern Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 78 (stronger) | 66 |
| Loan quality | 96 | 97 (stronger) |
| Earnings | 62 (stronger) | 37 |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 68th | 68th |
| Total assets | $449.4M | $560.2M |
| Deposits / shares | $379.2M | $499.1M |
| Capital ratio | 12.84% (stronger) | 11.60% |
| Problem loans | 0.12% | 0.10% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.15% |
| Return on assets | 1.04% (stronger) | 0.43% |
| Loans ÷ deposits | 92.6% | 42.0% (stronger) |
| Uninsured deposits | 29.8% | 6.3% (stronger) |
| Offices | 9 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
First Peoples Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Peoples Bank leads on 4 and The Southern Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.