Side-by-side · Q2 2026 data
Peoples Bank & Trust Company vs Ascend Federal Credit Union
Metric by metric
| Measure | Peoples Bank & Trust Company | Ascend Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 83 |
| Capital cushion | 97 (stronger) | 96 |
| Loan quality | 99 (stronger) | 84 |
| Earnings | 90 (stronger) | 68 |
| Funding & liquidity | 75 (stronger) | 70 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 98th | 92nd |
| Total assets | $168.6M | $4.8B |
| Deposits / shares | $142.6M | $3.9B |
| Capital ratio | 14.70% (stronger) | 14.55% |
| Problem loans | 0.02% (stronger) | 0.49% |
| Net charge-offs | 0.02% (stronger) | 0.44% |
| Return on assets | 1.76% (stronger) | 1.20% |
| Loans ÷ deposits | 79.6% (stronger) | 90.5% |
| Uninsured deposits | 20.3% | 10.1% (stronger) |
| Offices | 1 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.1% |
Peoples Bank & Trust Company has the higher TellerScore (93 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank & Trust Company leads on 6 and Ascend Federal Credit Union on 1. 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.