Side-by-side · Q2 2026 data
The Peoples State Bank vs Business and Industrial Federal Credit Union
Credit union
Business and Industrial Federal Credit Union
Columbus, Indiana · Under $100 million in assets
Metric by metric
| Measure | The Peoples State Bank | Business and Industrial Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 91 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 79 (stronger) | 64 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 72nd | 90th |
| Total assets | $506.6M | $44.9M |
| Deposits / shares | $444.3M | $36.7M |
| Capital ratio | 10.47% | 18.04% (stronger) |
| Problem loans | 0.19% (stronger) | 0.24% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.48% (stronger) | 1.11% |
| Loans ÷ deposits | 61.8% | 48.6% (stronger) |
| Uninsured deposits | 29.5% | 1.1% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | — |
Business and Industrial Federal Credit Union has the higher TellerScore (91 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Peoples State Bank leads on 3 and Business and Industrial Federal Credit Union on 4. 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.