Side-by-side · Q2 2026 data
First Central State Bank vs Vibrant Credit Union
Metric by metric
| Measure | First Central State Bank | Vibrant Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 42 |
| Capital cushion | 84 (stronger) | 30 |
| Loan quality | 93 (stronger) | 47 |
| Earnings | 77 (stronger) | 29 |
| Funding & liquidity | 65 (stronger) | 60 |
| Problem-loan coverage | 97 (stronger) | 65 |
| Peer percentile | 84th | 2nd |
| Total assets | $772.4M | $1.2B |
| Deposits / shares | $595.4M | $958.6M |
| Capital ratio | 13.39% (stronger) | 8.04% |
| Problem loans | 0.21% (stronger) | 1.59% |
| Net charge-offs | 0.01% (stronger) | 0.72% |
| Return on assets | 1.43% (stronger) | 0.23% |
| Loans ÷ deposits | 82.4% (stronger) | 100.1% |
| Uninsured deposits | 26.7% | 7.4% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
First Central State Bank has the higher TellerScore (83 vs 42). On the 7 directional measures above (where higher or lower is clearly better), First Central State Bank leads on 6 and Vibrant Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.