Side-by-side · Q2 2026 data
Peoples State Bank of Velva vs Tel-U-Watt Federal Credit Union
Metric by metric
| Measure | Peoples State Bank of Velva | Tel-U-Watt Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 43 (stronger) | 41 |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 83 (stronger) | 47 |
| Funding & liquidity | 65 | 90 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 53rd | 40th |
| Total assets | $210.0M | $5.6M |
| Deposits / shares | $184.4M | $5.1M |
| Capital ratio | 9.31% (stronger) | 9.12% |
| Problem loans | 0.10% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.58% (stronger) | 0.68% |
| Loans ÷ deposits | 81.8% | 70.2% (stronger) |
| Uninsured deposits | 27.2% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples State Bank of Velva has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank of Velva leads on 3 and Tel-U-Watt Federal Credit Union on 4. 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.