Side-by-side · Q2 2026 data
Century Bank and Trust vs Chiphone Federal Credit Union
Metric by metric
| Measure | Century Bank and Trust | Chiphone Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 87 (stronger) |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 78 | 87 (stronger) |
| Earnings | 94 (stronger) | 50 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 90th | 91st |
| Total assets | $494.0M | $111.8M |
| Deposits / shares | $419.0M | $93.0M |
| Capital ratio | 14.59% | 16.43% (stronger) |
| Problem loans | 0.66% | 0.38% (stronger) |
| Net charge-offs | 0.04% (stronger) | 1.85% |
| Return on assets | 1.85% (stronger) | 0.75% |
| Loans ÷ deposits | 64.0% | 43.3% (stronger) |
| Uninsured deposits | 40.9% | 3.8% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.7% |
Chiphone Federal Credit Union has the higher TellerScore (87 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Century Bank and Trust leads on 2 and Chiphone Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.