Side-by-side · Q2 2026 data
PeoplesSouth Bank vs Emerald Coast Federal Credit Union
Credit union
Emerald Coast Federal Credit Union
Port St Joe, Florida · Under $100 million in assets
Metric by metric
| Measure | PeoplesSouth Bank | Emerald Coast Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 60 |
| Capital cushion | 54 (stronger) | 28 |
| Loan quality | 66 | 89 (stronger) |
| Earnings | 81 (stronger) | 28 |
| Funding & liquidity | 80 | 95 (stronger) |
| Problem-loan coverage | 80 | 91 (stronger) |
| Peer percentile | 53rd | 22nd |
| Total assets | $1.2B | $65.4M |
| Deposits / shares | $1.1B | $61.2M |
| Capital ratio | 10.45% (stronger) | 7.79% |
| Problem loans | 1.02% | 0.32% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.64% |
| Return on assets | 1.53% (stronger) | 0.20% |
| Loans ÷ deposits | 77.1% | 65.7% (stronger) |
| Uninsured deposits | 18.1% | 8.7% (stronger) |
| Offices | 34 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | — |
PeoplesSouth Bank has the higher TellerScore (69 vs 60). On the 7 directional measures above (where higher or lower is clearly better), PeoplesSouth Bank leads on 4 and Emerald Coast Federal Credit Union on 3. 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.