Side-by-side · Q2 2026 data
Peoples Trust Company of St. Albans vs Cvph Employees Federal Credit Union
Credit union
Cvph Employees Federal Credit Union
Plattsburgh, New York · Under $100 million in assets
Metric by metric
| Measure | Peoples Trust Company of St. Albans | Cvph Employees Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 70 |
| Capital cushion | 68 (stronger) | 58 |
| Loan quality | 86 | 99 (stronger) |
| Earnings | 61 (stronger) | 29 |
| Funding & liquidity | 72 | 81 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 57th | 40th |
| Total assets | $395.4M | $10.4M |
| Deposits / shares | $348.8M | $9.3M |
| Capital ratio | 11.79% (stronger) | 10.77% |
| Problem loans | 0.41% | 0.04% (stronger) |
| Net charge-offs | 0.04% | 0.02% (stronger) |
| Return on assets | 1.02% (stronger) | 0.21% |
| Loans ÷ deposits | 84.4% | 79.5% (stronger) |
| Uninsured deposits | 18.1% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
Peoples Trust Company of St. Albans has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Peoples Trust Company of St. Albans leads on 3 and Cvph Employees 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.