Side-by-side · Q2 2026 data
Bank of Oak Ridge vs Centric Federal Credit Union
Metric by metric
| Measure | Bank of Oak Ridge | Centric Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 62 |
| Capital cushion | 66 | 73 (stronger) |
| Loan quality | 100 (stronger) | 54 |
| Earnings | 63 (stronger) | 43 |
| Funding & liquidity | 31 | 69 (stronger) |
| Problem-loan coverage | 100 (stronger) | 80 |
| Peer percentile | 50th | 26th |
| Total assets | $138.6M | $447.5M |
| Deposits / shares | $121.8M | $385.1M |
| Capital ratio | 11.59% | 12.31% (stronger) |
| Problem loans | 0.00% (stronger) | 1.38% |
| Net charge-offs | 0.08% (stronger) | 0.96% |
| Return on assets | 1.07% (stronger) | 0.58% |
| Loans ÷ deposits | 92.0% | 90.8% (stronger) |
| Uninsured deposits | 48.2% | 14.4% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Oak Ridge has the higher TellerScore (72 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Bank of Oak Ridge leads on 4 and Centric Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.