Side-by-side · Q2 2026 data
The People'S Federal Credit Union vs Amarillo Postal Employees Credit Union
Credit union
Amarillo Postal Employees Credit Union
Amarillo, Texas · Under $100 million in assets
Metric by metric
| Measure | The People'S Federal Credit Union | Amarillo Postal Employees Credit Union |
|---|---|---|
| TellerScore | 58 | 77 (stronger) |
| Capital cushion | 41 | 78 (stronger) |
| Loan quality | 62 | 96 (stronger) |
| Earnings | 41 (stronger) | 22 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 16th | 57th |
| Total assets | $229.0M | $19.5M |
| Deposits / shares | $210.1M | $16.9M |
| Capital ratio | 9.06% | 12.75% (stronger) |
| Problem loans | 1.15% | 0.13% (stronger) |
| Net charge-offs | 0.62% | 0.12% (stronger) |
| Return on assets | 0.52% (stronger) | 0.06% |
| Loans ÷ deposits | 69.1% | 45.6% (stronger) |
| Uninsured deposits | 1.0% (stronger) | 4.4% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.8% | — |
Amarillo Postal Employees Credit Union has the higher TellerScore (77 vs 58). On the 7 directional measures above (where higher or lower is clearly better), The People'S Federal Credit Union leads on 2 and Amarillo Postal Employees Credit Union on 5. 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.