Side-by-side · Q2 2026 data
Peoples Bank vs Puget Sound Refinery Federal Credit Union
Credit union
Puget Sound Refinery Federal Credit Union
Anacortes, Washington · Under $100 million in assets
Metric by metric
| Measure | Peoples Bank | Puget Sound Refinery Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 69 |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 96 (stronger) | 24 |
| Earnings | 58 | 58 |
| Funding & liquidity | 49 | 86 (stronger) |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 86th | 38th |
| Total assets | $2.4B | $15.6M |
| Deposits / shares | $2.1B | $12.7M |
| Capital ratio | 13.27% | 17.51% (stronger) |
| Problem loans | 0.11% (stronger) | 2.29% |
| Net charge-offs | 0.00% (stronger) | 0.36% |
| Return on assets | 0.96% | 0.96% (stronger) |
| Loans ÷ deposits | 91.6% | 74.6% (stronger) |
| Uninsured deposits | 32.5% | 4.2% (stronger) |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | — |
Peoples Bank has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 3 and Puget Sound Refinery Federal Credit Union on 4. 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.