Side-by-side · Q2 2026 data
The Peoples Savings Bank vs Natrium Employees Federal Credit Union
Credit union
Natrium Employees Federal Credit Union
Proctor, West Virginia · Under $100 million in assets
Metric by metric
| Measure | The Peoples Savings Bank | Natrium Employees Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 85 (stronger) | 74 |
| Loan quality | 47 | 74 (stronger) |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 99 (stronger) | 90 |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 42nd | 72nd |
| Total assets | $71.9M | $12.0M |
| Deposits / shares | $63.5M | $10.5M |
| Capital ratio | 13.45% (stronger) | 12.41% |
| Problem loans | 1.58% | 0.78% (stronger) |
| Net charge-offs | 0.12% | 0.01% (stronger) |
| Return on assets | 0.81% | 2.24% (stronger) |
| Loans ÷ deposits | 54.0% (stronger) | 69.8% |
| Uninsured deposits | 16.4% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Natrium Employees Federal Credit Union has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Peoples Savings Bank leads on 2 and Natrium Employees Federal 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.