Side-by-side · Q2 2026 data
Centennial Bank vs San Antonio Citizens Federal Credit Union
Credit union
San Antonio Citizens Federal Credit Union
San Antonio, Florida · $100 million – $1 billion
Metric by metric
| Measure | Centennial Bank | San Antonio Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 78 |
| Capital cushion | 76 (stronger) | 60 |
| Loan quality | 82 | 91 (stronger) |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 94th | 74th |
| Total assets | $24.6B | $399.9M |
| Deposits / shares | $19.6B | $356.8M |
| Capital ratio | 12.61% (stronger) | 11.02% |
| Problem loans | 0.55% | 0.28% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.26% |
| Return on assets | 2.13% (stronger) | 1.13% |
| Loans ÷ deposits | 85.4% | 50.1% (stronger) |
| Uninsured deposits | 46.7% | 8.1% (stronger) |
| Offices | 225 | 5 |
| 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 78). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 4 and San Antonio Citizens 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.