Side-by-side · Q2 2026 data
Centennial Bank vs Members First Credit Union of Flori
Credit union
Members First Credit Union of Flori
Pensacola, Florida · $100 million – $1 billion
Metric by metric
| Measure | Centennial Bank | Members First Credit Union of Flori |
|---|---|---|
| TellerScore | 79 | 93 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 82 | 86 (stronger) |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 94th | 97th |
| Total assets | $24.6B | $315.8M |
| Deposits / shares | $19.6B | $265.5M |
| Capital ratio | 12.61% | 15.39% (stronger) |
| Problem loans | 0.55% | 0.43% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.48% |
| Return on assets | 2.13% (stronger) | 1.66% |
| Loans ÷ deposits | 85.4% | 51.8% (stronger) |
| Uninsured deposits | 46.7% | 8.0% (stronger) |
| Offices | 225 | 5 |
| CFPB complaints (3 yrs) | 55 | — |
| Complaints per $1B deposits | 2.8 | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
Members First Credit Union of Flori has the higher TellerScore (93 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 2 and Members First Credit Union of Flori 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.