Side-by-side · Q2 2026 data
Central National Bank vs Educators Credit Union
Metric by metric
| Measure | Central National Bank | Educators Credit Union |
|---|---|---|
| TellerScore | 74 | 99 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 96 (stronger) | 94 |
| Earnings | 100 | 100 |
| Funding & liquidity | 38 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 74th | 100th |
| Total assets | $1.5B | $609.5M |
| Deposits / shares | $1.3B | $484.8M |
| Capital ratio | 9.94% | 20.32% (stronger) |
| Problem loans | 0.11% (stronger) | 0.17% |
| Net charge-offs | 0.03% | 0.03% (stronger) |
| Return on assets | 2.01% | 2.30% (stronger) |
| Loans ÷ deposits | 91.0% | 28.4% (stronger) |
| Uninsured deposits | 43.6% | 7.9% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | — |
Educators Credit Union has the higher TellerScore (99 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central National Bank leads on 1 and Educators Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.