Side-by-side · Q2 2026 data
Five Points Bank vs Central Nebraska Federal Credit Union
Credit union
Central Nebraska Federal Credit Union
Grand Island, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Five Points Bank | Central Nebraska Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 53 | 56 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 78 (stronger) | 33 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 80th | 47th |
| Total assets | $2.2B | $11.8M |
| Deposits / shares | $2.0B | $10.1M |
| Capital ratio | 10.30% | 10.63% (stronger) |
| Problem loans | 0.01% (stronger) | 0.04% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.45% (stronger) | 0.33% |
| Loans ÷ deposits | 67.9% | 52.6% (stronger) |
| Uninsured deposits | 41.5% | 1.6% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
Five Points Bank has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Five Points Bank leads on 4 and Central Nebraska Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.