Side-by-side · Q2 2026 data
Central Bank vs Tennessee River Federal Credit Union
Credit union
Tennessee River Federal Credit Union
Counce, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Central Bank | Tennessee River Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 89 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 50 | 80 (stronger) |
| Funding & liquidity | 79 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 72nd | 87th |
| Total assets | $160.2M | $16.3M |
| Deposits / shares | $141.1M | $10.8M |
| Capital ratio | 11.95% | 33.21% (stronger) |
| Problem loans | 0.00% (stronger) | 0.25% |
| Net charge-offs | 0.65% | 0.00% (stronger) |
| Return on assets | 0.75% | 1.50% (stronger) |
| Loans ÷ deposits | 80.8% (stronger) | 93.7% |
| Uninsured deposits | 15.0% | 0.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tennessee River Federal Credit Union has the higher TellerScore (89 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Central Bank leads on 2 and Tennessee River Federal 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.