Side-by-side · Q2 2026 data
Clear Lake Bank and Trust Company vs Cent Credit Union
Metric by metric
| Measure | Clear Lake Bank and Trust Company | Cent Credit Union |
|---|---|---|
| TellerScore | 75 | 77 (stronger) |
| Capital cushion | 35 | 77 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 98 (stronger) | 56 |
| Funding & liquidity | 64 | 68 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 61st | 71st |
| Total assets | $649.3M | $166.0M |
| Deposits / shares | $585.0M | $144.6M |
| Capital ratio | 8.53% | 12.73% (stronger) |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | 0.02% (stronger) | 0.13% |
| Return on assets | 1.94% (stronger) | 0.89% |
| Loans ÷ deposits | 83.5% (stronger) | 92.1% |
| Uninsured deposits | 26.2% | 3.1% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cent Credit Union has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Clear Lake Bank and Trust Company leads on 4 and Cent Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.