Side-by-side · Q2 2026 data
The Peoples Bank vs Transcend Credit Union
Metric by metric
| Measure | The Peoples Bank | Transcend Credit Union |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 58 | 84 (stronger) |
| Loan quality | 68 | 96 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 77 (stronger) | 69 |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 57th | 83rd |
| Total assets | $145.0M | $588.3M |
| Deposits / shares | $132.6M | $473.2M |
| Capital ratio | 10.82% | 13.37% (stronger) |
| Problem loans | 0.97% | 0.13% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.18% |
| Return on assets | 2.14% (stronger) | 1.19% |
| Loans ÷ deposits | 77.4% (stronger) | 91.0% |
| Uninsured deposits | 20.6% | 9.8% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Transcend Credit Union has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Peoples Bank leads on 3 and Transcend Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.