Side-by-side · Q2 2026 data
Coleman County State Bank vs First Central Credit Union
Metric by metric
| Measure | Coleman County State Bank | First Central Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 98 (stronger) | 35 |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 85 | 99 (stronger) |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 72nd | 68th |
| Total assets | $295.1M | $191.7M |
| Deposits / shares | $267.1M | $160.2M |
| Capital ratio | 8.56% | 16.35% (stronger) |
| Problem loans | 0.05% (stronger) | 1.95% |
| Net charge-offs | 0.02% (stronger) | 0.75% |
| Return on assets | 2.05% (stronger) | 1.19% |
| Loans ÷ deposits | 65.5% | 61.3% (stronger) |
| Uninsured deposits | 23.7% | 5.1% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 16.0% |
Coleman County State Bank has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Coleman County State Bank leads on 4 and First Central Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.