Side-by-side · Q2 2026 data
Peoples Independent Bank vs Family Security Credit Union
Metric by metric
| Measure | Peoples Independent Bank | Family Security Credit Union |
|---|---|---|
| TellerScore | 75 | 95 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 90 (stronger) | 80 |
| Earnings | 84 | 99 (stronger) |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 61st | 100th |
| Total assets | $485.7M | $1.1B |
| Deposits / shares | $441.3M | $876.5M |
| Capital ratio | 9.41% | 19.92% (stronger) |
| Problem loans | 0.30% (stronger) | 0.61% |
| Net charge-offs | 0.03% (stronger) | 0.55% |
| Return on assets | 1.60% | 1.98% (stronger) |
| Loans ÷ deposits | 42.5% (stronger) | 47.7% |
| Uninsured deposits | 26.1% | 2.9% (stronger) |
| Offices | 9 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.9% | 37.5% |
Family Security Credit Union has the higher TellerScore (95 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Peoples Independent Bank leads on 3 and Family Security Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Boaz, AL