Side-by-side · Q2 2026 data
Employees Credit Union vs Cent Credit Union
Metric by metric
| Measure | Employees Credit Union | Cent Credit Union |
|---|---|---|
| TellerScore | 70 | 77 (stronger) |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 84 (stronger) | 56 |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 85 | 97 (stronger) |
| Peer percentile | 51st | 71st |
| Total assets | $203.4M | $166.0M |
| Deposits / shares | $164.1M | $144.6M |
| Capital ratio | 18.96% (stronger) | 12.73% |
| Problem loans | 3.25% | 0.20% (stronger) |
| Net charge-offs | 0.25% | 0.13% (stronger) |
| Return on assets | 1.61% (stronger) | 0.89% |
| Loans ÷ deposits | 53.5% (stronger) | 92.1% |
| Uninsured deposits | 11.4% | 3.1% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cent Credit Union has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Employees Credit Union leads on 3 and Cent Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.