Side-by-side · Q2 2026 data
Providence Bank vs Centra Credit Union
Metric by metric
| Measure | Providence Bank | Centra Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 73 |
| Capital cushion | 72 | 73 (stronger) |
| Loan quality | 96 (stronger) | 68 |
| Earnings | 92 (stronger) | 68 |
| Funding & liquidity | 56 | 76 (stronger) |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 93rd | 70th |
| Total assets | $1.5B | $2.4B |
| Deposits / shares | $1.3B | $2.1B |
| Capital ratio | 12.21% | 12.34% (stronger) |
| Problem loans | 0.12% (stronger) | 0.96% |
| Net charge-offs | 0.00% (stronger) | 0.81% |
| Return on assets | 1.80% (stronger) | 1.21% |
| Loans ÷ deposits | 96.6% | 84.5% (stronger) |
| Uninsured deposits | 21.5% | 13.0% (stronger) |
| Offices | 10 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 9.4% |
Providence Bank has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Providence Bank leads on 4 and Centra Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.