Side-by-side · Q2 2026 data
CentreBank vs Education Personnel Federal Credit Union
Credit union
Education Personnel Federal Credit Union
Danville, Illinois · Under $100 million in assets
Metric by metric
| Measure | CentreBank | Education Personnel Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 89 (stronger) | 80 |
| Earnings | 94 (stronger) | 50 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 95th | 54th |
| Total assets | $120.0M | $74.3M |
| Deposits / shares | $99.1M | $65.6M |
| Capital ratio | 17.16% (stronger) | 12.26% |
| Problem loans | 0.33% (stronger) | 0.60% |
| Net charge-offs | 0.36% | 0.06% (stronger) |
| Return on assets | 1.86% (stronger) | 0.75% |
| Loans ÷ deposits | 91.1% | 50.7% (stronger) |
| Uninsured deposits | 20.3% | 2.2% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
CentreBank has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), CentreBank leads on 4 and Education Personnel Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.