Side-by-side · Q2 2026 data
Peoples Bank vs Members Credit Union
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Peoples Bank | Members Credit Union |
|---|---|---|
| TellerScore | 75 | 85 (stronger) |
| Capital cushion | 65 | 98 (stronger) |
| Loan quality | 86 (stronger) | 73 |
| Earnings | 67 (stronger) | 62 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 77th | 87th |
| Total assets | $1.8B | $477.1M |
| Deposits / shares | $1.6B | $404.2M |
| Capital ratio | 11.50% | 14.83% (stronger) |
| Problem loans | 0.41% (stronger) | 0.82% |
| Net charge-offs | 0.03% (stronger) | 1.39% |
| Return on assets | 1.18% (stronger) | 1.06% |
| Loans ÷ deposits | 81.0% | 46.5% (stronger) |
| Uninsured deposits | 21.5% | 3.3% (stronger) |
| Offices | 16 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.4% | — |
Members Credit Union has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 3 and Members Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Newton, NC
- Lincolnton, NC