Side-by-side · Q2 2026 data
Peninsula Federal Credit Union vs U.P. State Credit Union
Metric by metric
| Measure | Peninsula Federal Credit Union | U.P. State Credit Union |
|---|---|---|
| TellerScore | 58 | 79 (stronger) |
| Capital cushion | 40 | 82 (stronger) |
| Loan quality | 69 (stronger) | 63 |
| Earnings | 49 | 86 (stronger) |
| Funding & liquidity | 69 | 84 (stronger) |
| Problem-loan coverage | 83 | 89 (stronger) |
| Peer percentile | 16th | 76th |
| Total assets | $355.7M | $210.3M |
| Deposits / shares | $321.0M | $181.5M |
| Capital ratio | 9.03% | 13.17% (stronger) |
| Problem loans | 0.94% (stronger) | 1.10% |
| Net charge-offs | 0.63% | 0.12% (stronger) |
| Return on assets | 0.73% | 1.66% (stronger) |
| Loans ÷ deposits | 91.2% | 76.2% (stronger) |
| Uninsured deposits | 7.7% | 0.6% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U.P. State 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 1 and U.P. State Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.