Side-by-side · Q2 2026 data
Community Point Bank vs Civic Central Credit Union
Credit union
Civic Central Credit Union
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Community Point Bank | Civic Central Credit Union |
|---|---|---|
| TellerScore | 71 | 86 (stronger) |
| Capital cushion | 32 | 88 (stronger) |
| Loan quality | 98 (stronger) | 84 |
| Earnings | 88 (stronger) | 71 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 47th | 89th |
| Total assets | $259.7M | $105.0M |
| Deposits / shares | $227.4M | $91.7M |
| Capital ratio | 8.20% | 13.84% (stronger) |
| Problem loans | 0.07% (stronger) | 0.48% |
| Net charge-offs | 0.15% (stronger) | 0.38% |
| Return on assets | 1.70% (stronger) | 1.28% |
| Loans ÷ deposits | 93.2% | 51.1% (stronger) |
| Uninsured deposits | 17.0% | 0.5% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Civic Central Credit Union has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Community Point Bank leads on 3 and Civic Central Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.