Side-by-side · Q2 2026 data
German American Bank vs Centra Credit Union
Metric by metric
| Measure | German American Bank | Centra Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 73 |
| Capital cushion | 62 | 73 (stronger) |
| Loan quality | 85 (stronger) | 68 |
| Earnings | 91 (stronger) | 68 |
| Funding & liquidity | 46 | 76 (stronger) |
| Problem-loan coverage | 96 (stronger) | 88 |
| Peer percentile | 77th | 70th |
| Total assets | $8.4B | $2.4B |
| Deposits / shares | $7.1B | $2.1B |
| Capital ratio | 11.19% | 12.34% (stronger) |
| Problem loans | 0.45% (stronger) | 0.96% |
| Net charge-offs | 0.06% (stronger) | 0.81% |
| Return on assets | 1.76% (stronger) | 1.21% |
| Loans ÷ deposits | 83.0% (stronger) | 84.5% |
| Uninsured deposits | 42.8% | 13.0% (stronger) |
| Offices | 89 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 9.4% |
German American Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), German American Bank leads on 5 and Centra Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Columbus, IN
- Jeffersonville, IN
- New Albany, IN
- Madison, IN
- Greensburg, IN
- North Vernon, IN
- Sellersburg, IN
- Seymour, IN