Side-by-side · Q2 2026 data
Peoples Trust Company of St. Albans vs Sea Comm Federal Credit Union
Metric by metric
| Measure | Peoples Trust Company of St. Albans | Sea Comm Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 89 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 86 (stronger) | 79 |
| Earnings | 61 | 77 (stronger) |
| Funding & liquidity | 72 | 92 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 57th | 94th |
| Total assets | $395.4M | $777.3M |
| Deposits / shares | $348.8M | $651.4M |
| Capital ratio | 11.79% | 17.96% (stronger) |
| Problem loans | 0.41% (stronger) | 0.63% |
| Net charge-offs | 0.04% (stronger) | 0.25% |
| Return on assets | 1.02% | 1.42% (stronger) |
| Loans ÷ deposits | 84.4% | 68.0% (stronger) |
| Uninsured deposits | 18.1% | 5.5% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
Sea Comm Federal Credit Union has the higher TellerScore (89 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Peoples Trust Company of St. Albans leads on 2 and Sea Comm Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.