Side-by-side · Q2 2026 data
Peoples Bank & Trust Co. vs United Credit Union
Metric by metric
| Measure | Peoples Bank & Trust Co. | United Credit Union |
|---|---|---|
| TellerScore | 58 | 88 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 24 | 87 (stronger) |
| Earnings | 83 (stronger) | 68 |
| Funding & liquidity | 88 (stronger) | 85 |
| Problem-loan coverage | 74 | 97 (stronger) |
| Peer percentile | 16th | 92nd |
| Total assets | $908.3M | $302.1M |
| Deposits / shares | $799.3M | $253.5M |
| Capital ratio | 9.96% | 15.17% (stronger) |
| Problem loans | 2.27% | 0.40% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.64% |
| Return on assets | 1.56% (stronger) | 1.19% |
| Loans ÷ deposits | 61.2% (stronger) | 75.5% |
| Uninsured deposits | 25.1% | 6.3% (stronger) |
| Offices | 9 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.2% | — |
United Credit Union has the higher TellerScore (88 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank & Trust Co. leads on 3 and United Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.