Side-by-side · Q2 2026 data
Peoples Independent Bank vs Redstone Federal Credit Union
Metric by metric
| Measure | Peoples Independent Bank | Redstone Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 85 (stronger) |
| Capital cushion | 44 | 89 (stronger) |
| Loan quality | 90 (stronger) | 77 |
| Earnings | 84 (stronger) | 75 |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 61st | 94th |
| Total assets | $485.7M | $8.6B |
| Deposits / shares | $441.3M | $7.5B |
| Capital ratio | 9.41% | 13.86% (stronger) |
| Problem loans | 0.30% (stronger) | 0.70% |
| Net charge-offs | 0.03% (stronger) | 0.96% |
| Return on assets | 1.60% (stronger) | 1.38% |
| Loans ÷ deposits | 42.5% (stronger) | 49.3% |
| Uninsured deposits | 26.1% | 7.2% (stronger) |
| Offices | 9 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.9% | 23.2% |
Redstone Federal Credit Union has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Peoples Independent Bank leads on 4 and Redstone Federal Credit Union on 3. 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.