Side-by-side · Q2 2026 data
Peoples Bank vs Employees United Federal Credit Union
Credit union
Employees United Federal Credit Union
Paris, Texas · Under $100 million in assets
Metric by metric
| Measure | Peoples Bank | Employees United Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 92 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 93 (stronger) | 63 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 64th | 92nd |
| Total assets | $185.4M | $12.4M |
| Deposits / shares | $168.4M | $8.3M |
| Capital ratio | 9.56% | 32.74% (stronger) |
| Problem loans | 0.25% | 0.08% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.07% |
| Return on assets | 1.83% (stronger) | 1.07% |
| Loans ÷ deposits | 87.2% | 31.7% (stronger) |
| Uninsured deposits | 13.6% | 0.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Employees United Federal Credit Union has the higher TellerScore (92 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 2 and Employees United Federal Credit Union on 5. 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.