Side-by-side · Q2 2026 data
Centennial Bank vs Natural State Federal Credit Union
Credit union
Natural State Federal Credit Union
Searcy, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Centennial Bank | Natural State Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 86 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 82 | 88 (stronger) |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 40 | 78 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 94th | 80th |
| Total assets | $24.6B | $8.8M |
| Deposits / shares | $19.6B | $7.1M |
| Capital ratio | 12.61% | 17.40% (stronger) |
| Problem loans | 0.55% | 0.36% (stronger) |
| Net charge-offs | 0.07% | -0.02% (stronger) |
| Return on assets | 2.13% (stronger) | 1.04% |
| Loans ÷ deposits | 85.4% | 82.3% (stronger) |
| Uninsured deposits | 46.7% | 0.4% (stronger) |
| Offices | 225 | 1 |
| CFPB complaints (3 yrs) | 55 | — |
| Complaints per $1B deposits | 2.8 | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
Natural State Federal Credit Union has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 1 and Natural State Federal Credit Union on 6. 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.