Side-by-side · Q2 2026 data
National Bank of Commerce vs Centricity Credit Union
Metric by metric
| Measure | National Bank of Commerce | Centricity Credit Union |
|---|---|---|
| TellerScore | 70 | 85 (stronger) |
| Capital cushion | 43 | 90 (stronger) |
| Loan quality | 79 (stronger) | 74 |
| Earnings | 100 | 100 |
| Funding & liquidity | 53 | 70 (stronger) |
| Problem-loan coverage | 91 | 91 |
| Peer percentile | 58th | 87th |
| Total assets | $2.2B | $340.5M |
| Deposits / shares | $1.9B | $277.4M |
| Capital ratio | 9.33% | 13.97% (stronger) |
| Problem loans | 0.64% (stronger) | 0.79% |
| Net charge-offs | 0.05% (stronger) | 0.46% |
| Return on assets | 2.00% | 2.13% (stronger) |
| Loans ÷ deposits | 92.0% | 90.6% (stronger) |
| Uninsured deposits | 29.1% | 4.6% (stronger) |
| Offices | 20 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | 13.0% |
Centricity Credit Union has the higher TellerScore (85 vs 70). On the 7 directional measures above (where higher or lower is clearly better), National Bank of Commerce leads on 2 and Centricity Credit Union on 5. 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.
Where both have branches
- Duluth, MN
- Superior, WI
- Hermantown, MN