Side-by-side · Q2 2026 data
Peoples Bank of East Tennessee vs A.U.B. Employees' Credit Union
Credit union
A.U.B. Employees' Credit Union
Athens, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Peoples Bank of East Tennessee | A.U.B. Employees' Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 43 |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 88 (stronger) | 0 |
| Earnings | 81 (stronger) | 0 |
| Funding & liquidity | 82 (stronger) | 50 |
| Problem-loan coverage | 95 (stronger) | 50 |
| Peer percentile | 72nd | 4th |
| Total assets | $456.1M | $1.4M |
| Deposits / shares | $407.2M | $1.1M |
| Capital ratio | 10.90% | 25.21% (stronger) |
| Problem loans | 0.37% (stronger) | 8.45% |
| Net charge-offs | 0.05% (stronger) | 1.44% |
| Return on assets | 1.53% (stronger) | -4.96% |
| Loans ÷ deposits | 75.9% (stronger) | 113.2% |
| Uninsured deposits | 17.4% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
Peoples Bank of East Tennessee has the higher TellerScore (78 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank of East Tennessee leads on 5 and A.U.B. Employees' Credit Union on 2. 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.