Side-by-side · Q2 2026 data
Caldwell Bank & Trust Company vs Centric Federal Credit Union
Metric by metric
| Measure | Caldwell Bank & Trust Company | Centric Federal Credit Union |
|---|---|---|
| TellerScore | 41 | 62 (stronger) |
| Capital cushion | 50 | 73 (stronger) |
| Loan quality | 5 | 54 (stronger) |
| Earnings | 59 (stronger) | 43 |
| Funding & liquidity | 52 | 69 (stronger) |
| Problem-loan coverage | 55 | 80 (stronger) |
| Peer percentile | 3rd | 26th |
| Total assets | $298.6M | $447.5M |
| Deposits / shares | $257.6M | $385.1M |
| Capital ratio | 10.03% | 12.31% (stronger) |
| Problem loans | 2.86% | 1.38% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.96% |
| Return on assets | 0.98% (stronger) | 0.58% |
| Loans ÷ deposits | 87.6% (stronger) | 90.8% |
| Uninsured deposits | 34.0% | 14.4% (stronger) |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Centric Federal Credit Union has the higher TellerScore (62 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Caldwell Bank & Trust Company leads on 3 and Centric Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.