Side-by-side · Q2 2026 data
Centennial Bank vs Pantex Federal Credit Union
Metric by metric
| Measure | Centennial Bank | Pantex Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 90 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 82 (stronger) | 77 |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 94th | 95th |
| Total assets | $24.6B | $233.4M |
| Deposits / shares | $19.6B | $183.3M |
| Capital ratio | 12.61% | 22.25% (stronger) |
| Problem loans | 0.55% (stronger) | 0.69% |
| Net charge-offs | 0.07% (stronger) | 0.50% |
| Return on assets | 2.13% (stronger) | 1.53% |
| Loans ÷ deposits | 85.4% | 34.8% (stronger) |
| Uninsured deposits | 46.7% | 7.1% (stronger) |
| Offices | 225 | 4 |
| CFPB complaints (3 yrs) | 55 | — |
| Complaints per $1B deposits | 2.8 | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
Pantex Federal Credit Union has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 3 and Pantex Federal Credit Union on 4. 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
- Borger, TX
- Pampa, TX