Side-by-side · Q2 2026 data
Providence Bank & Trust vs Commonwealth Credit Union
Metric by metric
| Measure | Providence Bank & Trust | Commonwealth Credit Union |
|---|---|---|
| TellerScore | 81 | 83 (stronger) |
| Capital cushion | 65 | 82 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 85 (stronger) | 74 |
| Funding & liquidity | 64 | 85 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 91st | 83rd |
| Total assets | $1.6B | $128.1M |
| Deposits / shares | $1.3B | $111.0M |
| Capital ratio | 11.50% | 13.23% (stronger) |
| Problem loans | 0.01% (stronger) | 0.43% |
| Net charge-offs | -0.00% (stronger) | 0.21% |
| Return on assets | 1.64% (stronger) | 1.36% |
| Loans ÷ deposits | 79.5% | 74.8% (stronger) |
| Uninsured deposits | 30.1% | 0.0% (stronger) |
| Offices | 15 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commonwealth Credit Union has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Providence Bank & Trust leads on 3 and Commonwealth 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.