Side-by-side · Q2 2026 data
Central Bank and Trust vs First Education Federal Credit Union
Credit union
First Education Federal Credit Union
Cheyenne, Wyoming · Under $100 million in assets
Metric by metric
| Measure | Central Bank and Trust | First Education Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 36 | 53 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 72nd | 57th |
| Total assets | $202.5M | $87.2M |
| Deposits / shares | $182.3M | $77.7M |
| Capital ratio | 8.56% | 10.34% (stronger) |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | 0.02% (stronger) | 0.02% |
| Return on assets | 2.19% (stronger) | 1.14% |
| Loans ÷ deposits | 60.9% | 43.0% (stronger) |
| Uninsured deposits | 32.4% | 3.9% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | 2.2% |
Central Bank and Trust has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Central Bank and Trust leads on 4 and First Education Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.