Side-by-side · Q2 2026 data
The Central Trust Bank vs Central Missouri Community Credit Union
Credit union
Central Missouri Community Credit Union
Warrensburg, Missouri · $100 million – $1 billion
Metric by metric
| Measure | The Central Trust Bank | Central Missouri Community Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 60 |
| Capital cushion | 29 | 32 (stronger) |
| Loan quality | 84 (stronger) | 83 |
| Earnings | 100 (stronger) | 37 |
| Funding & liquidity | 64 | 89 (stronger) |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 69th | 21st |
| Total assets | $20.3B | $140.2M |
| Deposits / shares | $16.4B | $129.5M |
| Capital ratio | 7.94% | 8.17% (stronger) |
| Problem loans | 0.49% (stronger) | 0.52% |
| Net charge-offs | 0.10% (stronger) | 0.26% |
| Return on assets | 1.99% (stronger) | 0.42% |
| Loans ÷ deposits | 70.4% (stronger) | 71.7% |
| Uninsured deposits | 38.4% | 3.5% (stronger) |
| Offices | 150 | 3 |
| CFPB complaints (3 yrs) | 97 | — |
| Complaints per $1B deposits | 5.9 | — |
| Mortgage denial rate (HMDA) | 10.4% | 36.8% |
The Central Trust Bank has the higher TellerScore (69 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The Central Trust Bank leads on 5 and Central Missouri Community Credit Union on 2. 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.