Side-by-side · Q2 2026 data
Bank of Central Florida vs Florida West Coast Credit Union
Metric by metric
| Measure | Bank of Central Florida | Florida West Coast Credit Union |
|---|---|---|
| TellerScore | 69 | 79 (stronger) |
| Capital cushion | 37 | 70 (stronger) |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 73 (stronger) | 52 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 53rd | 76th |
| Total assets | $1.2B | $144.2M |
| Deposits / shares | $1.1B | $127.4M |
| Capital ratio | 8.75% | 12.03% (stronger) |
| Problem loans | 0.21% (stronger) | 0.25% |
| Net charge-offs | 0.00% (stronger) | 0.41% |
| Return on assets | 1.32% (stronger) | 0.79% |
| Loans ÷ deposits | 73.3% | 58.0% (stronger) |
| Uninsured deposits | 30.4% | 2.2% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Florida West Coast Credit Union has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Bank of Central Florida leads on 3 and Florida West Coast 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.