Side-by-side · Q2 2026 data
Centricity Credit Union vs St. Cloud Financial Credit Union
Metric by metric
| Measure | Centricity Credit Union | St. Cloud Financial Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 57 |
| Capital cushion | 90 (stronger) | 22 |
| Loan quality | 74 | 90 (stronger) |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 70 (stronger) | 65 |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 87th | 14th |
| Total assets | $340.5M | $456.4M |
| Deposits / shares | $277.4M | $399.9M |
| Capital ratio | 13.97% (stronger) | 7.22% |
| Problem loans | 0.79% | 0.31% (stronger) |
| Net charge-offs | 0.46% | 0.12% (stronger) |
| Return on assets | 2.13% (stronger) | 0.55% |
| Loans ÷ deposits | 90.6% (stronger) | 95.5% |
| Uninsured deposits | 4.6% (stronger) | 4.9% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | — |
Centricity Credit Union has the higher TellerScore (85 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Centricity Credit Union leads on 5 and St. Cloud Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.