Side-by-side · Q2 2026 data
Centinel Bank of Taos vs Rincones Presbyterian Credit Union
Credit union
Rincones Presbyterian Credit Union
Chacon, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Centinel Bank of Taos | Rincones Presbyterian Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 64 |
| Capital cushion | 42 | 53 (stronger) |
| Loan quality | 100 (stronger) | 48 |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 73 (stronger) | 71 |
| Problem-loan coverage | 100 (stronger) | 79 |
| Peer percentile | 75th | 28th |
| Total assets | $424.8M | $6.5M |
| Deposits / shares | $387.6M | $5.8M |
| Capital ratio | 9.22% | 10.33% (stronger) |
| Problem loans | 0.00% (stronger) | 1.55% |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 2.10% (stronger) | 1.76% |
| Loans ÷ deposits | 42.5% (stronger) | 89.5% |
| Uninsured deposits | 39.4% | 7.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Centinel Bank of Taos has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Centinel Bank of Taos leads on 4 and Rincones Presbyterian 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.