Side-by-side · Q2 2026 data
NSB Bank vs Cent Credit Union
Metric by metric
| Measure | NSB Bank | Cent Credit Union |
|---|---|---|
| TellerScore | 62 | 77 (stronger) |
| Capital cushion | 35 | 77 (stronger) |
| Loan quality | 89 | 93 (stronger) |
| Earnings | 57 (stronger) | 56 |
| Funding & liquidity | 59 | 68 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 22nd | 71st |
| Total assets | $460.8M | $166.0M |
| Deposits / shares | $400.6M | $144.6M |
| Capital ratio | 8.49% | 12.73% (stronger) |
| Problem loans | 0.32% | 0.20% (stronger) |
| Net charge-offs | 0.30% | 0.13% (stronger) |
| Return on assets | 0.92% (stronger) | 0.89% |
| Loans ÷ deposits | 82.4% (stronger) | 92.1% |
| Uninsured deposits | 31.8% | 3.1% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cent Credit Union has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), NSB Bank leads on 2 and Cent Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.