Side-by-side · Q2 2026 data
PS Bank vs Spojnia Credit Union
Metric by metric
| Measure | PS Bank | Spojnia Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 50 |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 97 (stronger) | 0 |
| Earnings | 99 (stronger) | 0 |
| Funding & liquidity | 72 | 92 (stronger) |
| Problem-loan coverage | 99 (stronger) | 58 |
| Peer percentile | 84th | 9th |
| Total assets | $674.5M | $14.3M |
| Deposits / shares | $588.0M | $12.1M |
| Capital ratio | 11.25% | 15.49% (stronger) |
| Problem loans | 0.10% (stronger) | 8.33% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.98% (stronger) | -0.63% |
| Loans ÷ deposits | 74.2% | 46.4% (stronger) |
| Uninsured deposits | 27.4% | 22.3% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | — |
PS Bank has the higher TellerScore (83 vs 50). On the 7 directional measures above (where higher or lower is clearly better), PS Bank leads on 3 and Spojnia 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.