Side-by-side · Q2 2026 data
Highlands Bank vs First Peoples Community Federal Credit Union
Credit union
First Peoples Community Federal Credit Union
Cumberland, Maryland · $100 million – $1 billion
Metric by metric
| Measure | Highlands Bank | First Peoples Community Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 80 (stronger) |
| Capital cushion | 60 | 86 (stronger) |
| Loan quality | 70 | 82 (stronger) |
| Earnings | 71 (stronger) | 65 |
| Funding & liquidity | 71 | 74 (stronger) |
| Problem-loan coverage | 87 | 94 (stronger) |
| Peer percentile | 40th | 78th |
| Total assets | $407.1M | $666.1M |
| Deposits / shares | $356.8M | $560.0M |
| Capital ratio | 11.00% | 13.61% (stronger) |
| Problem loans | 0.91% | 0.53% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.15% |
| Return on assets | 1.27% (stronger) | 1.14% |
| Loans ÷ deposits | 85.8% (stronger) | 86.1% |
| Uninsured deposits | 18.3% | 5.2% (stronger) |
| Offices | 7 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | 5.8% |
First Peoples Community Federal Credit Union has the higher TellerScore (80 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Highlands Bank leads on 3 and First Peoples Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Keyser, WV