Side-by-side · Q2 2026 data
Peoples Trust and Savings Bank vs Owensboro Federal Credit Union
Credit union
Owensboro Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Peoples Trust and Savings Bank | Owensboro Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 88 (stronger) |
| Capital cushion | 80 | 92 (stronger) |
| Loan quality | 30 | 91 (stronger) |
| Earnings | 25 | 62 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 75 | 99 (stronger) |
| Peer percentile | 9th | 85th |
| Total assets | $240.6M | $88.3M |
| Deposits / shares | $192.4M | $75.0M |
| Capital ratio | 12.96% | 14.21% (stronger) |
| Problem loans | 2.09% | 0.26% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.16% |
| Return on assets | 0.11% | 1.05% (stronger) |
| Loans ÷ deposits | 90.4% | 48.2% (stronger) |
| Uninsured deposits | 21.3% | 2.0% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | — |
Owensboro Federal Credit Union has the higher TellerScore (88 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Peoples Trust and Savings Bank leads on 1 and Owensboro Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.