Side-by-side · Q2 2026 data
Elements Financial Federal Credit Union vs Centra Credit Union
Credit union
Elements Financial Federal Credit Union
Indianapolis, Indiana · $1 billion – $10 billion
Metric by metric
| Measure | Elements Financial Federal Credit Union | Centra Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 73 |
| Capital cushion | 69 | 73 (stronger) |
| Loan quality | 85 (stronger) | 68 |
| Earnings | 76 (stronger) | 68 |
| Funding & liquidity | 69 | 76 (stronger) |
| Problem-loan coverage | 94 (stronger) | 88 |
| Peer percentile | 82nd | 70th |
| Total assets | $2.5B | $2.4B |
| Deposits / shares | $2.0B | $2.1B |
| Capital ratio | 11.92% | 12.34% (stronger) |
| Problem loans | 0.46% (stronger) | 0.96% |
| Net charge-offs | 0.21% (stronger) | 0.81% |
| Return on assets | 1.40% (stronger) | 1.21% |
| Loans ÷ deposits | 85.3% | 84.5% (stronger) |
| Uninsured deposits | 20.5% | 13.0% (stronger) |
| Offices | 4 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.7% | 9.4% |
Elements Financial Federal Credit Union has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Elements Financial Federal Credit Union leads on 4 and Centra Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.