Side-by-side · Q2 2026 data
Peoples Savings Bank vs Journey Credit Union
Metric by metric
| Measure | Peoples Savings Bank | Journey Credit Union |
|---|---|---|
| TellerScore | 65 | 85 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 70 (stronger) | 63 |
| Earnings | 59 | 82 (stronger) |
| Funding & liquidity | 80 | 90 (stronger) |
| Problem-loan coverage | 86 | 92 (stronger) |
| Peer percentile | 29th | 77th |
| Total assets | $610.4M | $97.6M |
| Deposits / shares | $533.7M | $80.4M |
| Capital ratio | 9.95% | 16.86% (stronger) |
| Problem loans | 0.91% (stronger) | 1.11% |
| Net charge-offs | 0.05% (stronger) | 0.64% |
| Return on assets | 0.97% | 1.56% (stronger) |
| Loans ÷ deposits | 64.8% (stronger) | 70.6% |
| Uninsured deposits | 28.5% | 9.0% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.2% | 4.8% |
Journey Credit Union has the higher TellerScore (85 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Peoples Savings Bank leads on 3 and Journey Credit Union on 4. 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.