Side-by-side · Q2 2026 data
Central State Bank vs Metco Credit Union
Metric by metric
| Measure | Central State Bank | Metco Credit Union |
|---|---|---|
| TellerScore | 76 | 92 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 99 (stronger) | 77 |
| Earnings | 89 | 100 (stronger) |
| Funding & liquidity | 49 | 89 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 64th | 92nd |
| Total assets | $419.3M | $58.7M |
| Deposits / shares | $344.4M | $47.3M |
| Capital ratio | 10.27% | 18.81% (stronger) |
| Problem loans | 0.02% (stronger) | 0.70% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.73% | 2.65% (stronger) |
| Loans ÷ deposits | 93.9% | 70.9% (stronger) |
| Uninsured deposits | 30.7% | 0.8% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Metco Credit Union has the higher TellerScore (92 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 2 and Metco 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.