Side-by-side · Q2 2026 data
Central State Bank vs Coosa Pines Federal Credit Union
Credit union
Coosa Pines Federal Credit Union
Childersburg, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Central State Bank | Coosa Pines Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 88 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 95 (stronger) | 71 |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 55 | 88 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 57th | 92nd |
| Total assets | $890.7M | $420.8M |
| Deposits / shares | $810.3M | $356.6M |
| Capital ratio | 8.98% | 16.20% (stronger) |
| Problem loans | 0.16% (stronger) | 0.87% |
| Net charge-offs | 0.22% (stronger) | 0.70% |
| Return on assets | 2.01% (stronger) | 1.77% |
| Loans ÷ deposits | 68.0% (stronger) | 72.3% |
| Uninsured deposits | 48.5% | 7.3% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.1% |
Coosa Pines Federal Credit Union has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 4 and Coosa Pines Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.