Side-by-side · Q2 2026 data
Central Bank vs Electric Cooperatives
Metric by metric
| Measure | Central Bank | Electric Cooperatives |
|---|---|---|
| TellerScore | 34 | 94 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 0 | 97 (stronger) |
| Earnings | 64 | 77 (stronger) |
| Funding & liquidity | 42 | 94 (stronger) |
| Problem-loan coverage | 14 | 99 (stronger) |
| Peer percentile | 1st | 95th |
| Total assets | $954.6M | $18.6M |
| Deposits / shares | $743.4M | $15.8M |
| Capital ratio | 9.37% | 15.16% (stronger) |
| Problem loans | 4.76% | 0.08% (stronger) |
| Net charge-offs | 0.68% | 0.03% (stronger) |
| Return on assets | 1.09% | 1.43% (stronger) |
| Loans ÷ deposits | 108.9% | 66.5% (stronger) |
| Uninsured deposits | 23.3% | 2.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | — |
Electric Cooperatives has the higher TellerScore (94 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Central Bank leads on 0 and Electric Cooperatives on 7. 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.