Side-by-side · Q2 2026 data
Peninsula Federal Credit Union vs Extra Credit Union
Metric by metric
| Measure | Peninsula Federal Credit Union | Extra Credit Union |
|---|---|---|
| TellerScore | 58 | 79 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 69 (stronger) | 48 |
| Earnings | 49 | 67 (stronger) |
| Funding & liquidity | 69 | 96 (stronger) |
| Problem-loan coverage | 83 | 90 (stronger) |
| Peer percentile | 16th | 76th |
| Total assets | $355.7M | $345.4M |
| Deposits / shares | $321.0M | $285.1M |
| Capital ratio | 9.03% | 17.51% (stronger) |
| Problem loans | 0.94% (stronger) | 1.56% |
| Net charge-offs | 0.63% (stronger) | 1.76% |
| Return on assets | 0.73% | 1.16% (stronger) |
| Loans ÷ deposits | 91.2% | 64.4% (stronger) |
| Uninsured deposits | 7.7% | 6.4% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Extra Credit Union has the higher TellerScore (79 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Peninsula Federal Credit Union leads on 2 and Extra Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.