Side-by-side · Q2 2026 data
Peoples Bank vs Westedge Federal Credit Union
Credit union
Westedge Federal Credit Union
Bellingham, Washington · Under $100 million in assets
Metric by metric
| Measure | Peoples Bank | Westedge Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 96 (stronger) | 56 |
| Earnings | 58 | 64 (stronger) |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 86th | 68th |
| Total assets | $2.4B | $79.2M |
| Deposits / shares | $2.1B | $66.1M |
| Capital ratio | 13.27% | 17.38% (stronger) |
| Problem loans | 0.11% (stronger) | 1.32% |
| Net charge-offs | 0.00% (stronger) | 0.93% |
| Return on assets | 0.96% | 1.09% (stronger) |
| Loans ÷ deposits | 91.6% | 54.0% (stronger) |
| Uninsured deposits | 32.5% | 2.6% (stronger) |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | — |
Westedge Federal Credit Union has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 2 and Westedge 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.