Side-by-side · Q2 2026 data
Central Bank & Trust Co. vs Transcend Credit Union
Metric by metric
| Measure | Central Bank & Trust Co. | Transcend Credit Union |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 74 | 84 (stronger) |
| Loan quality | 93 | 96 (stronger) |
| Earnings | 71 (stronger) | 68 |
| Funding & liquidity | 42 | 69 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 80th | 83rd |
| Total assets | $4.0B | $588.3M |
| Deposits / shares | $3.1B | $473.2M |
| Capital ratio | 12.42% | 13.37% (stronger) |
| Problem loans | 0.21% | 0.13% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.18% |
| Return on assets | 1.27% (stronger) | 1.19% |
| Loans ÷ deposits | 95.7% | 91.0% (stronger) |
| Uninsured deposits | 35.1% | 9.8% (stronger) |
| Offices | 29 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Transcend Credit Union has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Central Bank & Trust Co. leads on 2 and Transcend Credit Union on 5. 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.