Side-by-side · Q2 2026 data
Peoples State Bank vs Athens Area Credit Union
Metric by metric
| Measure | Peoples State Bank | Athens Area Credit Union |
|---|---|---|
| TellerScore | 56 | 84 (stronger) |
| Capital cushion | 52 | 84 (stronger) |
| Loan quality | 53 | 79 (stronger) |
| Earnings | 64 | 70 (stronger) |
| Funding & liquidity | 45 | 100 (stronger) |
| Problem-loan coverage | 79 | 97 (stronger) |
| Peer percentile | 15th | 75th |
| Total assets | $1.5B | $49.9M |
| Deposits / shares | $1.2B | $42.9M |
| Capital ratio | 10.17% | 13.35% (stronger) |
| Problem loans | 1.40% | 0.63% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.10% | 1.25% (stronger) |
| Loans ÷ deposits | 95.4% | 40.7% (stronger) |
| Uninsured deposits | 33.2% | 2.8% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.4% | — |
Athens Area Credit Union has the higher TellerScore (84 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank leads on 1 and Athens Area 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.