Side-by-side · Q2 2026 data
Century Next Bank vs Centric Federal Credit Union
Metric by metric
| Measure | Century Next Bank | Centric Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 62 |
| Capital cushion | 69 | 73 (stronger) |
| Loan quality | 96 (stronger) | 54 |
| Earnings | 90 (stronger) | 43 |
| Funding & liquidity | 28 | 69 (stronger) |
| Problem-loan coverage | 98 (stronger) | 80 |
| Peer percentile | 68th | 26th |
| Total assets | $916.4M | $447.5M |
| Deposits / shares | $795.3M | $385.1M |
| Capital ratio | 11.95% | 12.31% (stronger) |
| Problem loans | 0.12% (stronger) | 1.38% |
| Net charge-offs | 0.03% (stronger) | 0.96% |
| Return on assets | 1.75% (stronger) | 0.58% |
| Loans ÷ deposits | 83.5% (stronger) | 90.8% |
| Uninsured deposits | 58.5% | 14.4% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | — |
Century Next Bank has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Century Next Bank leads on 5 and Centric Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.