Side-by-side · Q2 2026 data
Centric Federal Credit Union vs Carter Federal Credit Union
Metric by metric
| Measure | Centric Federal Credit Union | Carter Federal Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 32 |
| Capital cushion | 73 (stronger) | 36 |
| Loan quality | 54 (stronger) | 0 |
| Earnings | 43 | 46 (stronger) |
| Funding & liquidity | 69 (stronger) | 60 |
| Problem-loan coverage | 80 (stronger) | 29 |
| Peer percentile | 26th | 0th |
| Total assets | $447.5M | $762.9M |
| Deposits / shares | $385.1M | $587.6M |
| Capital ratio | 12.31% (stronger) | 8.60% |
| Problem loans | 1.38% (stronger) | 3.66% |
| Net charge-offs | 0.96% | 0.79% (stronger) |
| Return on assets | 0.58% | 0.65% (stronger) |
| Loans ÷ deposits | 90.8% (stronger) | 100.7% |
| Uninsured deposits | 14.4% | 7.4% (stronger) |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Centric Federal Credit Union has the higher TellerScore (62 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Centric Federal Credit Union leads on 4 and Carter Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.