Side-by-side · Q2 2026 data
Century Bank vs Northern New Mexico School Employee Federal Credit Union
Credit union
Northern New Mexico School Employee Federal Credit Union
Santa Fe, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Century Bank | Northern New Mexico School Employee Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 68 (stronger) |
| Capital cushion | 53 | 75 (stronger) |
| Loan quality | 64 (stronger) | 39 |
| Earnings | 58 | 59 (stronger) |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 67 | 92 (stronger) |
| Peer percentile | 24th | 36th |
| Total assets | $1.4B | $44.5M |
| Deposits / shares | $1.2B | $37.9M |
| Capital ratio | 10.25% | 12.48% (stronger) |
| Problem loans | 1.07% (stronger) | 1.82% |
| Net charge-offs | 0.01% (stronger) | 0.48% |
| Return on assets | 0.95% | 0.99% (stronger) |
| Loans ÷ deposits | 68.0% | 30.7% (stronger) |
| Uninsured deposits | 34.1% | 3.2% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern New Mexico School Employee Federal Credit Union has the higher TellerScore (68 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Century Bank leads on 2 and Northern New Mexico School Employee Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.