Side-by-side · Q2 2026 data
The Peoples State Bank vs Madison County Federal Credit Union
Metric by metric
| Measure | The Peoples State Bank | Madison County Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 73 |
| Capital cushion | 55 | 62 (stronger) |
| Loan quality | 94 (stronger) | 78 |
| Earnings | 79 (stronger) | 60 |
| Funding & liquidity | 82 | 92 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 72nd | 60th |
| Total assets | $506.6M | $114.0M |
| Deposits / shares | $444.3M | $100.2M |
| Capital ratio | 10.47% | 11.24% (stronger) |
| Problem loans | 0.19% (stronger) | 0.67% |
| Net charge-offs | -0.00% (stronger) | 0.37% |
| Return on assets | 1.48% (stronger) | 1.01% |
| Loans ÷ deposits | 61.8% (stronger) | 68.0% |
| Uninsured deposits | 29.5% | 2.9% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | 17.6% |
The Peoples State Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Peoples State Bank leads on 5 and Madison County Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.