Side-by-side · Q2 2026 data
Flat Branch Bank vs Public Safety Credit Union
Metric by metric
| Measure | Flat Branch Bank | Public Safety Credit Union |
|---|---|---|
| TellerScore | 71 | 78 (stronger) |
| Capital cushion | 76 | 77 (stronger) |
| Loan quality | 100 (stronger) | 87 |
| Earnings | 0 | 57 (stronger) |
| Funding & liquidity | 85 (stronger) | 81 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 42nd | 74th |
| Total assets | $92.8M | $191.4M |
| Deposits / shares | $79.2M | $167.1M |
| Capital ratio | 12.58% | 12.72% (stronger) |
| Problem loans | 0.00% (stronger) | 0.39% |
| Net charge-offs | 0.00% (stronger) | 0.59% |
| Return on assets | -0.96% | 0.93% (stronger) |
| Loans ÷ deposits | 72.6% (stronger) | 78.9% |
| Uninsured deposits | 17.7% | 3.2% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.3% |
Public Safety Credit Union has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Flat Branch Bank leads on 3 and Public Safety Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.