Side-by-side · Q2 2026 data
Public Service Credit Union vs Athens Area Credit Union
Metric by metric
| Measure | Public Service Credit Union | Athens Area Credit Union |
|---|---|---|
| TellerScore | 80 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 98 (stronger) | 79 |
| Earnings | 36 | 70 (stronger) |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 65th | 75th |
| Total assets | $13.9M | $49.9M |
| Deposits / shares | $11.1M | $42.9M |
| Capital ratio | 19.33% (stronger) | 13.35% |
| Problem loans | 0.07% (stronger) | 0.63% |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 0.41% | 1.25% (stronger) |
| Loans ÷ deposits | 102.4% | 40.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Athens Area Credit Union has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Public Service Credit Union leads on 4 and Athens Area Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.