Side-by-side · Q2 2026 data
Independent Bank vs Preferred Credit Union
Metric by metric
| Measure | Independent Bank | Preferred Credit Union |
|---|---|---|
| TellerScore | 63 | 87 (stronger) |
| Capital cushion | 47 | 93 (stronger) |
| Loan quality | 67 | 88 (stronger) |
| Earnings | 74 (stronger) | 64 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 85 | 97 (stronger) |
| Peer percentile | 30th | 91st |
| Total assets | $5.7B | $318.1M |
| Deposits / shares | $4.9B | $270.6M |
| Capital ratio | 9.67% | 14.25% (stronger) |
| Problem loans | 0.99% | 0.37% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.47% |
| Return on assets | 1.34% (stronger) | 1.11% |
| Loans ÷ deposits | 88.6% | 58.2% (stronger) |
| Uninsured deposits | 24.4% | 3.1% (stronger) |
| Offices | 57 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 14.6% |
Preferred Credit Union has the higher TellerScore (87 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Independent Bank leads on 2 and Preferred Credit Union on 5. 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.