Side-by-side · Q2 2026 data
P.I.A.S. Credit Union vs St. Thomas Credit Union
Metric by metric
| Measure | P.I.A.S. Credit Union | St. Thomas Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 100 (stronger) | 38 |
| Earnings | 35 | 43 (stronger) |
| Funding & liquidity | 100 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 83rd | 20th |
| Total assets | $4.2M | $38.3M |
| Deposits / shares | $3.5M | $33.4M |
| Capital ratio | 17.42% (stronger) | 12.26% |
| Problem loans | 0.00% (stronger) | 1.86% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 0.37% | 0.58% (stronger) |
| Loans ÷ deposits | 59.6% (stronger) | 88.0% |
| Uninsured deposits | 0.0% (stronger) | 8.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
P.I.A.S. Credit Union has the higher TellerScore (87 vs 59). On the 7 directional measures above (where higher or lower is clearly better), P.I.A.S. Credit Union leads on 6 and St. Thomas Credit Union on 1. 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.