Side-by-side · Q2 2026 data
Centennial Bank vs Innovations Financial Credit Union
Credit union
Innovations Financial Credit Union
Panama City, Florida · $100 million – $1 billion
Metric by metric
| Measure | Centennial Bank | Innovations Financial Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 67 |
| Capital cushion | 76 (stronger) | 45 |
| Loan quality | 82 | 95 (stronger) |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 40 | 62 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 94th | 41st |
| Total assets | $24.6B | $696.1M |
| Deposits / shares | $19.6B | $625.8M |
| Capital ratio | 12.61% (stronger) | 9.49% |
| Problem loans | 0.55% | 0.14% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.31% |
| Return on assets | 2.13% (stronger) | 0.85% |
| Loans ÷ deposits | 85.4% (stronger) | 86.6% |
| Uninsured deposits | 46.7% | 25.6% (stronger) |
| Offices | 225 | 10 |
| CFPB complaints (3 yrs) | 55 | — |
| Complaints per $1B deposits | 2.8 | — |
| Mortgage denial rate (HMDA) | 23.4% | 18.8% |
Centennial Bank has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 5 and Innovations Financial Credit Union on 2. 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.