Side-by-side · Q2 2026 data
Peoples Trust Company of St. Albans vs North Country Federal Credit Union
Credit union
North Country Federal Credit Union
Burlington, Vermont · $1 billion – $10 billion
Metric by metric
| Measure | Peoples Trust Company of St. Albans | North Country Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 59 |
| Capital cushion | 68 (stronger) | 47 |
| Loan quality | 86 (stronger) | 64 |
| Earnings | 61 (stronger) | 53 |
| Funding & liquidity | 72 (stronger) | 69 |
| Problem-loan coverage | 95 (stronger) | 82 |
| Peer percentile | 57th | 22nd |
| Total assets | $395.4M | $1.1B |
| Deposits / shares | $348.8M | $1.0B |
| Capital ratio | 11.79% (stronger) | 9.72% |
| Problem loans | 0.41% (stronger) | 1.09% |
| Net charge-offs | 0.04% (stronger) | 0.43% |
| Return on assets | 1.02% (stronger) | 0.82% |
| Loans ÷ deposits | 84.4% (stronger) | 91.3% |
| Uninsured deposits | 18.1% | 6.3% (stronger) |
| Offices | 5 | 10 |
| 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 59). On the 7 directional measures above (where higher or lower is clearly better), Peoples Trust Company of St. Albans leads on 6 and North Country Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.