Side-by-side · Q2 2026 data
The Peoples State Bank vs Peoples Choice Credit Union
Metric by metric
| Measure | The Peoples State Bank | Peoples Choice Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 75 |
| Capital cushion | 100 | 100 |
| Loan quality | 89 (stronger) | 47 |
| Earnings | 100 (stronger) | 43 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 87th | 52nd |
| Total assets | $23.5M | $6.7M |
| Deposits / shares | $17.4M | $4.9M |
| Capital ratio | 19.83% | 26.32% (stronger) |
| Problem loans | 0.33% (stronger) | 1.59% |
| Net charge-offs | -0.07% (stronger) | 1.03% |
| Return on assets | 2.87% (stronger) | 0.58% |
| Loans ÷ deposits | 117.7% | 55.9% (stronger) |
| Uninsured deposits | 16.5% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Peoples State Bank has the higher TellerScore (89 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Peoples State Bank leads on 4 and Peoples Choice Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.