Side-by-side · Q2 2026 data
Peapack Private Bank & Trust vs Public Service Federal Credit Union
Credit union
Public Service Federal Credit Union
Middlesex, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Peapack Private Bank & Trust | Public Service Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 84 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 64 (stronger) | 59 |
| Earnings | 54 | 73 (stronger) |
| Funding & liquidity | 43 | 100 (stronger) |
| Problem-loan coverage | 81 | 95 (stronger) |
| Peer percentile | 11th | 75th |
| Total assets | $8.0B | $40.4M |
| Deposits / shares | $7.1B | $33.9M |
| Capital ratio | 8.96% | 15.91% (stronger) |
| Problem loans | 1.07% (stronger) | 1.24% |
| Net charge-offs | 0.53% | -0.25% (stronger) |
| Return on assets | 0.84% | 1.33% (stronger) |
| Loans ÷ deposits | 93.6% | 39.2% (stronger) |
| Uninsured deposits | 36.4% | 0.0% (stronger) |
| Offices | 18 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Public Service Federal Credit Union has the higher TellerScore (84 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Peapack Private Bank & Trust leads on 1 and Public Service Federal Credit Union on 6. 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.