Side-by-side · Q2 2026 data
Central Bank vs North Sanpete Federal Credit Union
Credit union
North Sanpete Federal Credit Union
Fairview, Utah · Under $100 million in assets
Metric by metric
| Measure | Central Bank | North Sanpete Federal Credit Union |
|---|---|---|
| TellerScore | 89 | 89 |
| Capital cushion | 100 | 100 |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 58 | 79 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 99th | 87th |
| Total assets | $2.2B | $1.2M |
| Deposits / shares | $1.8B | $929K |
| Capital ratio | 15.42% | 23.47% (stronger) |
| Problem loans | 0.47% | 0.00% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 2.06% (stronger) | 1.06% |
| Loans ÷ deposits | 74.3% (stronger) | 81.5% |
| Uninsured deposits | 39.9% | 0.0% (stronger) |
| Offices | 13 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Central Bank leads on 2 and North Sanpete Federal Credit Union on 4. 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.