Side-by-side · Q2 2026 data
Peoples Security Bank and Trust Company vs Ghs Federal Credit Union
Metric by metric
| Measure | Peoples Security Bank and Trust Company | Ghs Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 46 |
| Capital cushion | 55 (stronger) | 47 |
| Loan quality | 89 (stronger) | 0 |
| Earnings | 69 | 85 (stronger) |
| Funding & liquidity | 48 | 83 (stronger) |
| Problem-loan coverage | 95 (stronger) | 28 |
| Peer percentile | 53rd | 3rd |
| Total assets | $5.4B | $252.7M |
| Deposits / shares | $4.5B | $217.1M |
| Capital ratio | 10.46% (stronger) | 9.68% |
| Problem loans | 0.33% (stronger) | 4.90% |
| Net charge-offs | 0.06% (stronger) | 1.11% |
| Return on assets | 1.23% | 1.62% (stronger) |
| Loans ÷ deposits | 94.5% | 77.3% (stronger) |
| Uninsured deposits | 31.0% | 5.3% (stronger) |
| Offices | 40 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.2% | 21.2% |
Peoples Security Bank and Trust Company has the higher TellerScore (69 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Peoples Security Bank and Trust Company leads on 4 and Ghs 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.