Side-by-side · Q2 2026 data
Centris Federal Credit Union vs Cobalt Federal Credit Union
Metric by metric
| Measure | Centris Federal Credit Union | Cobalt Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 60 (stronger) |
| Capital cushion | 45 (stronger) | 42 |
| Loan quality | 49 | 73 (stronger) |
| Earnings | 49 | 55 (stronger) |
| Funding & liquidity | 64 | 66 (stronger) |
| Problem-loan coverage | 72 | 86 (stronger) |
| Peer percentile | 8th | 25th |
| Total assets | $1.5B | $1.3B |
| Deposits / shares | $1.3B | $1.1B |
| Capital ratio | 9.49% (stronger) | 9.15% |
| Problem loans | 1.53% | 0.80% (stronger) |
| Net charge-offs | 1.41% | 1.00% (stronger) |
| Return on assets | 0.73% | 0.87% (stronger) |
| Loans ÷ deposits | 95.9% | 94.7% (stronger) |
| Uninsured deposits | 5.5% (stronger) | 7.2% |
| Offices | 15 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cobalt Federal Credit Union has the higher TellerScore (60 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Centris Federal Credit Union leads on 2 and Cobalt Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.