Side-by-side · Q2 2026 data
The Peoples Bank, Biloxi, Mississippi vs Water'S Edge Federal Credit Union
Credit union
Water'S Edge Federal Credit Union
Biloxi, Mississippi · Under $100 million in assets
Metric by metric
| Measure | The Peoples Bank, Biloxi, Mississippi | Water'S Edge Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 22 |
| Loan quality | 94 (stronger) | 63 |
| Earnings | 47 (stronger) | 18 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 82nd | 8th |
| Total assets | $770.7M | $5.0M |
| Deposits / shares | $610.1M | $4.4M |
| Capital ratio | 15.22% (stronger) | 7.16% |
| Problem loans | 0.18% (stronger) | 1.12% |
| Net charge-offs | -0.12% | -1.22% (stronger) |
| Return on assets | 0.67% (stronger) | -0.05% |
| Loans ÷ deposits | 44.9% (stronger) | 58.2% |
| Uninsured deposits | 48.3% | 0.0% (stronger) |
| Offices | 17 | 1 |
| CFPB complaints (3 yrs) | 16 | — |
| Complaints per $1B deposits | 26.2 | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
The Peoples Bank, Biloxi, Mississippi has the higher TellerScore (82 vs 49). On the 7 directional measures above (where higher or lower is clearly better), The Peoples Bank, Biloxi, Mississippi leads on 5 and Water'S Edge 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.