Side-by-side · Q2 2026 data
Wave Federal Credit Union vs The Peoples Credit Union
Metric by metric
| Measure | Wave Federal Credit Union | The Peoples Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 59 |
| Capital cushion | 73 (stronger) | 50 |
| Loan quality | 69 | 81 (stronger) |
| Earnings | 39 (stronger) | 30 |
| Funding & liquidity | 100 (stronger) | 58 |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 54th | 19th |
| Total assets | $156.8M | $811.2M |
| Deposits / shares | $136.8M | $639.1M |
| Capital ratio | 12.30% (stronger) | 10.00% |
| Problem loans | 0.93% | 0.57% (stronger) |
| Net charge-offs | 0.08% | 0.03% (stronger) |
| Return on assets | 0.47% (stronger) | 0.26% |
| Loans ÷ deposits | 58.4% (stronger) | 102.0% |
| Uninsured deposits | 5.3% (stronger) | 10.9% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.8% | — |
Wave Federal Credit Union has the higher TellerScore (71 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Wave Federal Credit Union leads on 5 and The Peoples Credit Union on 2. 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.