Side-by-side · Q2 2026 data
The Peoples Bank vs E L C O Federal Credit Union
Metric by metric
| Measure | The Peoples Bank | E L C O Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 84 |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 86 (stronger) | 78 |
| Funding & liquidity | 86 (stronger) | 70 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 94th | 75th |
| Total assets | $446.7M | $5.3M |
| Deposits / shares | $393.5M | $4.2M |
| Capital ratio | 12.92% | 20.10% (stronger) |
| Problem loans | 0.00% (stronger) | 0.78% |
| Net charge-offs | -0.00% (stronger) | 0.42% |
| Return on assets | 1.65% (stronger) | 1.45% |
| Loans ÷ deposits | 69.7% (stronger) | 90.2% |
| Uninsured deposits | 19.5% | 0.0% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | — |
The Peoples Bank has the higher TellerScore (89 vs 84). On the 7 directional measures above (where higher or lower is clearly better), The Peoples Bank leads on 5 and E L C O Federal Credit Union on 2. 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.