Side-by-side · Q2 2026 data
Business and Industrial Federal Credit Union vs Centra Credit Union
Credit union
Business and Industrial Federal Credit Union
Columbus, Indiana · Under $100 million in assets
Metric by metric
| Measure | Business and Industrial Federal Credit Union | Centra Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 92 (stronger) | 68 |
| Earnings | 64 | 68 (stronger) |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 90th | 70th |
| Total assets | $44.9M | $2.4B |
| Deposits / shares | $36.7M | $2.1B |
| Capital ratio | 18.04% (stronger) | 12.34% |
| Problem loans | 0.24% (stronger) | 0.96% |
| Net charge-offs | 0.00% (stronger) | 0.81% |
| Return on assets | 1.11% | 1.21% (stronger) |
| Loans ÷ deposits | 48.6% (stronger) | 84.5% |
| Uninsured deposits | 1.1% (stronger) | 13.0% |
| Offices | 2 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.4% |
Business and Industrial Federal Credit Union has the higher TellerScore (91 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Business and Industrial Federal Credit Union leads on 6 and Centra Credit Union on 1. 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.