Side-by-side · Q2 2026 data
Park State Bank vs Centricity Credit Union
Metric by metric
| Measure | Park State Bank | Centricity Credit Union |
|---|---|---|
| TellerScore | 66 | 85 (stronger) |
| Capital cushion | 49 | 90 (stronger) |
| Loan quality | 69 | 74 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 73 (stronger) | 70 |
| Problem-loan coverage | 89 | 91 (stronger) |
| Peer percentile | 40th | 87th |
| Total assets | $1.5B | $340.5M |
| Deposits / shares | $1.2B | $277.4M |
| Capital ratio | 9.89% | 13.97% (stronger) |
| Problem loans | 0.92% | 0.79% (stronger) |
| Net charge-offs | 0.55% | 0.46% (stronger) |
| Return on assets | 1.30% | 2.13% (stronger) |
| Loans ÷ deposits | 74.1% (stronger) | 90.6% |
| Uninsured deposits | 26.5% | 4.6% (stronger) |
| Offices | 14 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 13.0% |
Centricity Credit Union has the higher TellerScore (85 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Park State Bank leads on 1 and Centricity Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Duluth, MN
- Hermantown, MN