Side-by-side · Q2 2026 data
The Home Trust & Savings Bank vs Cent Credit Union
Metric by metric
| Measure | The Home Trust & Savings Bank | Cent Credit Union |
|---|---|---|
| TellerScore | 69 | 77 (stronger) |
| Capital cushion | 58 | 77 (stronger) |
| Loan quality | 73 | 93 (stronger) |
| Earnings | 73 (stronger) | 56 |
| Funding & liquidity | 68 | 68 |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 40th | 71st |
| Total assets | $287.7M | $166.0M |
| Deposits / shares | $252.9M | $144.6M |
| Capital ratio | 10.83% | 12.73% (stronger) |
| Problem loans | 0.80% | 0.20% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.13% |
| Return on assets | 1.33% (stronger) | 0.89% |
| Loans ÷ deposits | 82.8% (stronger) | 92.1% |
| Uninsured deposits | 22.9% | 3.1% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cent Credit Union has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Home Trust & Savings Bank leads on 3 and Cent Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.