Side-by-side · Q2 2026 data
Peoples Bank & Trust vs Northside Federal Credit Union
Credit union
Northside Federal Credit Union
Atlanta, Georgia · Under $100 million in assets
Metric by metric
| Measure | Peoples Bank & Trust | Northside Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 88 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 95 (stronger) | 82 |
| Earnings | 77 (stronger) | 71 |
| Funding & liquidity | 66 | 90 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 64th | 85th |
| Total assets | $563.3M | $20.8M |
| Deposits / shares | $505.0M | $16.8M |
| Capital ratio | 10.81% | 18.92% (stronger) |
| Problem loans | 0.16% (stronger) | 0.54% |
| Net charge-offs | 0.00% (stronger) | 0.81% |
| Return on assets | 1.41% (stronger) | 1.27% |
| Loans ÷ deposits | 57.9% (stronger) | 70.3% |
| Uninsured deposits | 45.5% | 0.5% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northside Federal Credit Union has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank & Trust leads on 4 and Northside 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.