Side-by-side · Q2 2026 data
Peoples State Bank vs Governmental Employees Credit Union
Credit union
Governmental Employees Credit Union
La Crosse, Wisconsin · $100 million – $1 billion
Metric by metric
| Measure | Peoples State Bank | Governmental Employees Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 60 |
| Capital cushion | 65 (stronger) | 44 |
| Loan quality | 93 (stronger) | 76 |
| Earnings | 79 (stronger) | 47 |
| Funding & liquidity | 78 (stronger) | 66 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 77th | 21st |
| Total assets | $993.0M | $121.8M |
| Deposits / shares | $810.8M | $109.2M |
| Capital ratio | 11.54% (stronger) | 9.40% |
| Problem loans | 0.21% (stronger) | 0.71% |
| Net charge-offs | -0.04% (stronger) | 0.42% |
| Return on assets | 1.47% (stronger) | 0.67% |
| Loans ÷ deposits | 78.6% (stronger) | 93.9% |
| Uninsured deposits | 18.1% | 4.9% (stronger) |
| Offices | 19 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 0.0% |
Peoples State Bank has the higher TellerScore (80 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank leads on 6 and Governmental Employees Credit Union on 1. 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.