Side-by-side · Q2 2026 data
Peoples Security Bank and Trust Company vs U. H. S. Employees Federal Credit Union
Credit union
U. H. S. Employees Federal Credit Union
Johnson City, New York · Under $100 million in assets
Metric by metric
| Measure | Peoples Security Bank and Trust Company | U. H. S. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 72 (stronger) |
| Capital cushion | 55 | 57 (stronger) |
| Loan quality | 89 (stronger) | 65 |
| Earnings | 69 | 75 (stronger) |
| Funding & liquidity | 48 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 53rd | 44th |
| Total assets | $5.4B | $25.6M |
| Deposits / shares | $4.5B | $22.7M |
| Capital ratio | 10.46% | 10.66% (stronger) |
| Problem loans | 0.33% (stronger) | 1.05% |
| Net charge-offs | 0.06% | -0.02% (stronger) |
| Return on assets | 1.23% | 1.38% (stronger) |
| Loans ÷ deposits | 94.5% | 53.6% (stronger) |
| Uninsured deposits | 31.0% | 0.0% (stronger) |
| Offices | 40 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.2% | — |
U. H. S. Employees Federal Credit Union has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Peoples Security Bank and Trust Company leads on 1 and U. H. S. Employees Federal Credit Union on 6. 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.