Side-by-side · Q2 2026 data
Central Bank and Trust vs Cheyenne-Laramie County Employees Federal Credit Union
Credit union
Cheyenne-Laramie County Employees Federal Credit Union
Cheyenne, Wyoming · Under $100 million in assets
Metric by metric
| Measure | Central Bank and Trust | Cheyenne-Laramie County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 85 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 100 (stronger) | 52 |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 72nd | 77th |
| Total assets | $202.5M | $31.9M |
| Deposits / shares | $182.3M | $26.8M |
| Capital ratio | 8.56% | 15.44% (stronger) |
| Problem loans | 0.00% (stronger) | 1.44% |
| Net charge-offs | 0.02% (stronger) | 0.44% |
| Return on assets | 2.19% (stronger) | 1.67% |
| Loans ÷ deposits | 60.9% | 18.4% (stronger) |
| Uninsured deposits | 32.4% | 1.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | — |
Cheyenne-Laramie County Employees Federal Credit Union has the higher TellerScore (85 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Central Bank and Trust leads on 3 and Cheyenne-Laramie County Employees 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.