Side-by-side · Q2 2026 data
Peoples Security Bank and Trust Company vs Visions Federal Credit Union
Metric by metric
| Measure | Peoples Security Bank and Trust Company | Visions Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 64 |
| Capital cushion | 55 (stronger) | 50 |
| Loan quality | 89 (stronger) | 70 |
| Earnings | 69 (stronger) | 44 |
| Funding & liquidity | 48 | 89 (stronger) |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 53rd | 36th |
| Total assets | $5.4B | $5.5B |
| Deposits / shares | $4.5B | $4.9B |
| Capital ratio | 10.46% (stronger) | 10.00% |
| Problem loans | 0.33% (stronger) | 0.89% |
| Net charge-offs | 0.06% (stronger) | 0.36% |
| Return on assets | 1.23% (stronger) | 0.59% |
| Loans ÷ deposits | 94.5% | 71.5% (stronger) |
| Uninsured deposits | 31.0% | 9.9% (stronger) |
| Offices | 40 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.2% | 32.6% |
Peoples Security Bank and Trust Company has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Peoples Security Bank and Trust Company leads on 5 and Visions Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.