Side-by-side · Q2 2026 data
Centennial Bank vs Emerald Coast Federal Credit Union
Credit union
Emerald Coast Federal Credit Union
Port St Joe, Florida · Under $100 million in assets
Metric by metric
| Measure | Centennial Bank | Emerald Coast Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 60 |
| Capital cushion | 76 (stronger) | 28 |
| Loan quality | 82 | 89 (stronger) |
| Earnings | 100 (stronger) | 28 |
| Funding & liquidity | 40 | 95 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 94th | 22nd |
| Total assets | $24.6B | $65.4M |
| Deposits / shares | $19.6B | $61.2M |
| Capital ratio | 12.61% (stronger) | 7.79% |
| Problem loans | 0.55% | 0.32% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.64% |
| Return on assets | 2.13% (stronger) | 0.20% |
| Loans ÷ deposits | 85.4% | 65.7% (stronger) |
| Uninsured deposits | 46.7% | 8.7% (stronger) |
| Offices | 225 | 2 |
| CFPB complaints (3 yrs) | 55 | — |
| Complaints per $1B deposits | 2.8 | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
Centennial Bank has the higher TellerScore (79 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 4 and Emerald Coast Federal Credit Union on 3. 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
- Wewahitchka, FL