Side-by-side · Q2 2026 data
Bar-Cons Federal Credit Union vs Centra Credit Union
Metric by metric
| Measure | Bar-Cons Federal Credit Union | Centra Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 60 | 68 (stronger) |
| Earnings | 69 (stronger) | 68 |
| Funding & liquidity | 60 | 76 (stronger) |
| Problem-loan coverage | 89 (stronger) | 88 |
| Peer percentile | 57th | 70th |
| Total assets | $52.8M | $2.4B |
| Deposits / shares | $43.1M | $2.1B |
| Capital ratio | 17.96% (stronger) | 12.34% |
| Problem loans | 1.21% | 0.96% (stronger) |
| Net charge-offs | 0.35% (stronger) | 0.81% |
| Return on assets | 1.23% (stronger) | 1.21% |
| Loans ÷ deposits | 100.1% | 84.5% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 13.0% |
| Offices | 3 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.4% |
Bar-Cons Federal Credit Union has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bar-Cons Federal Credit Union leads on 5 and Centra 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.