Side-by-side · Q2 2026 data
New Peoples Bank, Inc. vs National Employees Federal Credit Union
Credit union
National Employees Federal Credit Union
Bluefield, West Virginia · Under $100 million in assets
Metric by metric
| Measure | New Peoples Bank, Inc. | National Employees Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 68 |
| Capital cushion | 62 | 81 (stronger) |
| Loan quality | 85 (stronger) | 66 |
| Earnings | 79 (stronger) | 27 |
| Funding & liquidity | 73 | 88 (stronger) |
| Problem-loan coverage | 93 (stronger) | 90 |
| Peer percentile | 64th | 36th |
| Total assets | $942.5M | $15.0M |
| Deposits / shares | $828.4M | $13.0M |
| Capital ratio | 11.17% | 13.07% (stronger) |
| Problem loans | 0.45% (stronger) | 1.02% |
| Net charge-offs | 0.06% (stronger) | 0.11% |
| Return on assets | 1.48% (stronger) | 0.16% |
| Loans ÷ deposits | 87.6% | 72.5% (stronger) |
| Uninsured deposits | 12.7% | 0.9% (stronger) |
| Offices | 17 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
New Peoples Bank, Inc. has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), New Peoples Bank, Inc. leads on 4 and National Employees 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.