Side-by-side · Q2 2026 data
Cen Tex Manufacturing Credit Union vs First Central Credit Union
Credit union
Cen Tex Manufacturing Credit Union
Brownwood, Texas · Under $100 million in assets
Metric by metric
| Measure | Cen Tex Manufacturing Credit Union | First Central Credit Union |
|---|---|---|
| TellerScore | 69 | 76 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 27 | 35 (stronger) |
| Earnings | 55 | 68 (stronger) |
| Funding & liquidity | 84 | 99 (stronger) |
| Problem-loan coverage | 89 (stronger) | 85 |
| Peer percentile | 38th | 68th |
| Total assets | $15.0M | $191.7M |
| Deposits / shares | $11.5M | $160.2M |
| Capital ratio | 22.37% (stronger) | 16.35% |
| Problem loans | 2.20% | 1.95% (stronger) |
| Net charge-offs | 0.61% (stronger) | 0.75% |
| Return on assets | 0.86% | 1.19% (stronger) |
| Loans ÷ deposits | 75.9% | 61.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 5.1% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.0% |
First Central Credit Union has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Cen Tex Manufacturing Credit Union leads on 3 and First Central 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.