Side-by-side · Q2 2026 data
Welch State Bank of Welch, Okla. vs Peoples Choice Credit Union
Metric by metric
| Measure | Welch State Bank of Welch, Okla. | Peoples Choice Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 75 |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 88 (stronger) | 47 |
| Earnings | 87 (stronger) | 43 |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 64th | 52nd |
| Total assets | $449.8M | $6.7M |
| Deposits / shares | $394.6M | $4.9M |
| Capital ratio | 10.20% | 26.32% (stronger) |
| Problem loans | 0.36% (stronger) | 1.59% |
| Net charge-offs | 0.13% (stronger) | 1.03% |
| Return on assets | 1.67% (stronger) | 0.58% |
| Loans ÷ deposits | 78.4% | 55.9% (stronger) |
| Uninsured deposits | 21.3% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Welch State Bank of Welch, Okla. has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Welch State Bank of Welch, Okla. leads on 4 and Peoples Choice Credit Union on 3. 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.