Side-by-side · Q2 2026 data
Cendera Bank vs Fannin Federal Credit Union
Metric by metric
| Measure | Cendera Bank | Fannin Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 94 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 88 (stronger) | 80 |
| Earnings | 35 | 100 (stronger) |
| Funding & liquidity | 47 | 97 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 26th | 95th |
| Total assets | $257.6M | $80.9M |
| Deposits / shares | $228.5M | $64.3M |
| Capital ratio | 11.25% | 20.21% (stronger) |
| Problem loans | 0.37% (stronger) | 0.61% |
| Net charge-offs | -0.01% (stronger) | 0.21% |
| Return on assets | 0.37% | 2.39% (stronger) |
| Loans ÷ deposits | 87.1% | 62.8% (stronger) |
| Uninsured deposits | 38.5% | 5.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fannin Federal Credit Union has the higher TellerScore (94 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Cendera Bank leads on 2 and Fannin Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.