Side-by-side · Q2 2026 data
People's Bank of Seneca vs Service 1 Federal Credit Union
Metric by metric
| Measure | People's Bank of Seneca | Service 1 Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 89 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 66 | 86 (stronger) |
| Earnings | 75 | 83 (stronger) |
| Funding & liquidity | 65 | 73 (stronger) |
| Problem-loan coverage | 83 | 97 (stronger) |
| Peer percentile | 29th | 94th |
| Total assets | $495.5M | $198.5M |
| Deposits / shares | $440.9M | $160.8M |
| Capital ratio | 10.08% | 18.56% (stronger) |
| Problem loans | 1.01% | 0.42% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.52% |
| Return on assets | 1.37% | 1.58% (stronger) |
| Loans ÷ deposits | 95.2% | 87.3% (stronger) |
| Uninsured deposits | 15.1% | 4.3% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | — |
Service 1 Federal Credit Union has the higher TellerScore (89 vs 65). On the 7 directional measures above (where higher or lower is clearly better), People's Bank of Seneca leads on 1 and Service 1 Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.