Side-by-side · Q2 2026 data
Centennial Bank vs Eglin Federal Credit Union
Credit union
Eglin Federal Credit Union
Fort Walton Bea, Florida · $1 billion – $10 billion
Metric by metric
| Measure | Centennial Bank | Eglin Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 85 (stronger) |
| Capital cushion | 76 | 81 (stronger) |
| Loan quality | 82 | 88 (stronger) |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 94th | 94th |
| Total assets | $24.6B | $3.1B |
| Deposits / shares | $19.6B | $2.7B |
| Capital ratio | 12.61% | 13.06% (stronger) |
| Problem loans | 0.55% | 0.35% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.47% |
| Return on assets | 2.13% (stronger) | 1.17% |
| Loans ÷ deposits | 85.4% | 34.9% (stronger) |
| Uninsured deposits | 46.7% | 9.9% (stronger) |
| Offices | 225 | 12 |
| CFPB complaints (3 yrs) | 55 | — |
| Complaints per $1B deposits | 2.8 | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
Eglin Federal Credit Union has the higher TellerScore (85 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 2 and Eglin Federal Credit Union on 5. 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.
Where both have branches
- Destin, FL
- Navarre, FL