Side-by-side · Q2 2026 data
Central Bank vs Light Commerce Credit Union
Metric by metric
| Measure | Central Bank | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 70 | 92 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 82 (stronger) | 69 |
| Earnings | 95 | 100 (stronger) |
| Funding & liquidity | 45 | 98 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 58th | 92nd |
| Total assets | $1.4B | $5.0M |
| Deposits / shares | $1.3B | $3.6M |
| Capital ratio | 10.07% | 26.81% (stronger) |
| Problem loans | 0.54% (stronger) | 0.93% |
| Net charge-offs | -0.01% (stronger) | 0.57% |
| Return on assets | 1.87% | 2.37% (stronger) |
| Loans ÷ deposits | 85.6% | 62.1% (stronger) |
| Uninsured deposits | 41.6% | 0.4% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Central Bank leads on 2 and Light Commerce 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.