Side-by-side · Q2 2026 data
The Central Trust Bank vs United Credit Union
Metric by metric
| Measure | The Central Trust Bank | United Credit Union |
|---|---|---|
| TellerScore | 69 | 88 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 84 | 87 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 64 | 85 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 69th | 92nd |
| Total assets | $20.3B | $302.1M |
| Deposits / shares | $16.4B | $253.5M |
| Capital ratio | 7.94% | 15.17% (stronger) |
| Problem loans | 0.49% | 0.40% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.64% |
| Return on assets | 1.99% (stronger) | 1.19% |
| Loans ÷ deposits | 70.4% (stronger) | 75.5% |
| Uninsured deposits | 38.4% | 6.3% (stronger) |
| Offices | 150 | 8 |
| CFPB complaints (3 yrs) | 97 | — |
| Complaints per $1B deposits | 5.9 | — |
| Mortgage denial rate (HMDA) | 10.4% | — |
United Credit Union has the higher TellerScore (88 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Central Trust Bank leads on 3 and United Credit Union on 4. 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
- Columbia, MO
- Mexico, MO
- Fulton, MO
- Moberly, MO
- Vandalia, MO