Side-by-side · Q2 2026 data
Peoples Bank of the South vs First Choice Community Credit Union
Credit union
First Choice Community Credit Union
Knoxville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Peoples Bank of the South | First Choice Community Credit Union |
|---|---|---|
| TellerScore | 76 | 85 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 72 (stronger) | 66 |
| Earnings | 100 (stronger) | 72 |
| Funding & liquidity | 44 | 100 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 64th | 77th |
| Total assets | $232.0M | $48.9M |
| Deposits / shares | $190.5M | $40.7M |
| Capital ratio | 12.43% | 16.41% (stronger) |
| Problem loans | 0.85% (stronger) | 1.02% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 3.10% (stronger) | 1.31% |
| Loans ÷ deposits | 104.2% | 48.6% (stronger) |
| Uninsured deposits | 25.6% | 1.5% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Choice Community Credit Union has the higher TellerScore (85 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank of the South leads on 3 and First Choice Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.