Side-by-side · Q2 2026 data
PNB Community Bank vs Eglin Federal Credit Union
Credit union
Eglin Federal Credit Union
Fort Walton Bea, Florida · $1 billion – $10 billion
Metric by metric
| Measure | PNB Community Bank | Eglin Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 85 (stronger) |
| Capital cushion | 53 | 81 (stronger) |
| Loan quality | 99 (stronger) | 88 |
| Earnings | 70 (stronger) | 67 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 61st | 94th |
| Total assets | $155.2M | $3.1B |
| Deposits / shares | $140.3M | $2.7B |
| Capital ratio | 10.32% | 13.06% (stronger) |
| Problem loans | 0.04% (stronger) | 0.35% |
| Net charge-offs | 0.03% (stronger) | 0.47% |
| Return on assets | 1.24% (stronger) | 1.17% |
| Loans ÷ deposits | 76.2% | 34.9% (stronger) |
| Uninsured deposits | 26.3% | 9.9% (stronger) |
| Offices | 3 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.1% | — |
Eglin Federal Credit Union has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), PNB Community Bank leads on 3 and Eglin 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.