Side-by-side · Q2 2026 data
Peoples State Bank of Velva vs Credit Union 1
Metric by metric
| Measure | Peoples State Bank of Velva | Credit Union 1 |
|---|---|---|
| TellerScore | 73 (stronger) | 68 |
| Capital cushion | 43 | 59 (stronger) |
| Loan quality | 97 (stronger) | 55 |
| Earnings | 83 (stronger) | 82 |
| Funding & liquidity | 65 | 80 (stronger) |
| Problem-loan coverage | 98 (stronger) | 79 |
| Peer percentile | 53rd | 50th |
| Total assets | $210.0M | $2.9B |
| Deposits / shares | $184.4M | $2.4B |
| Capital ratio | 9.31% | 10.91% (stronger) |
| Problem loans | 0.10% (stronger) | 1.35% |
| Net charge-offs | 0.01% (stronger) | 0.54% |
| Return on assets | 1.58% (stronger) | 1.56% |
| Loans ÷ deposits | 81.8% | 80.1% (stronger) |
| Uninsured deposits | 27.2% | 1.4% (stronger) |
| Offices | 2 | 50 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples State Bank of Velva has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank of Velva leads on 4 and Credit Union 1 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.