Side-by-side · Q2 2026 data
Peoples Exchange Bank vs Transcend Credit Union
Metric by metric
| Measure | Peoples Exchange Bank | Transcend Credit Union |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 50 | 84 (stronger) |
| Loan quality | 98 (stronger) | 96 |
| Earnings | 71 (stronger) | 68 |
| Funding & liquidity | 50 | 69 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 47th | 83rd |
| Total assets | $609.8M | $588.3M |
| Deposits / shares | $522.7M | $473.2M |
| Capital ratio | 9.97% | 13.37% (stronger) |
| Problem loans | 0.06% (stronger) | 0.13% |
| Net charge-offs | 0.02% (stronger) | 0.18% |
| Return on assets | 1.26% (stronger) | 1.19% |
| Loans ÷ deposits | 98.0% | 91.0% (stronger) |
| Uninsured deposits | 26.5% | 9.8% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | — |
Transcend Credit Union has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Peoples Exchange Bank leads on 3 and Transcend Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.