Side-by-side · Q2 2026 data
Central Bank and Trust vs Blue Federal Credit Union
Metric by metric
| Measure | Central Bank and Trust | Blue Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 51 |
| Capital cushion | 36 | 36 |
| Loan quality | 100 (stronger) | 65 |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 80 (stronger) | 54 |
| Problem-loan coverage | 100 (stronger) | 75 |
| Peer percentile | 72nd | 7th |
| Total assets | $202.5M | $2.3B |
| Deposits / shares | $182.3M | $1.8B |
| Capital ratio | 8.56% | 8.61% (stronger) |
| Problem loans | 0.00% (stronger) | 1.05% |
| Net charge-offs | 0.02% (stronger) | 1.06% |
| Return on assets | 2.19% (stronger) | 0.51% |
| Loans ÷ deposits | 60.9% (stronger) | 106.2% |
| Uninsured deposits | 32.4% | 12.1% (stronger) |
| Offices | 5 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | 24.1% |
Central Bank and Trust has the higher TellerScore (78 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Central Bank and Trust leads on 5 and Blue Federal Credit Union on 2. 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.