Side-by-side · Q2 2026 data
Iowa Trust & Savings Bank vs Cent Credit Union
Metric by metric
| Measure | Iowa Trust & Savings Bank | Cent Credit Union |
|---|---|---|
| TellerScore | 63 | 77 (stronger) |
| Capital cushion | 58 | 77 (stronger) |
| Loan quality | 74 | 93 (stronger) |
| Earnings | 50 | 56 (stronger) |
| Funding & liquidity | 51 | 68 (stronger) |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 24th | 71st |
| Total assets | $522.0M | $166.0M |
| Deposits / shares | $396.4M | $144.6M |
| Capital ratio | 10.82% | 12.73% (stronger) |
| Problem loans | 0.79% | 0.20% (stronger) |
| Net charge-offs | 0.34% | 0.13% (stronger) |
| Return on assets | 0.75% | 0.89% (stronger) |
| Loans ÷ deposits | 92.4% | 92.1% (stronger) |
| Uninsured deposits | 29.9% | 3.1% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | — |
Cent Credit Union has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Iowa Trust & Savings Bank leads on 0 and Cent Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Emmetsburg, IA