Side-by-side · Q2 2026 data
The Napoleon State Bank vs Centra Credit Union
Metric by metric
| Measure | The Napoleon State Bank | Centra Credit Union |
|---|---|---|
| TellerScore | 70 | 73 (stronger) |
| Capital cushion | 61 | 73 (stronger) |
| Loan quality | 63 | 68 (stronger) |
| Earnings | 79 (stronger) | 68 |
| Funding & liquidity | 77 (stronger) | 76 |
| Problem-loan coverage | 86 | 88 (stronger) |
| Peer percentile | 43rd | 70th |
| Total assets | $499.2M | $2.4B |
| Deposits / shares | $440.4M | $2.1B |
| Capital ratio | 11.07% | 12.34% (stronger) |
| Problem loans | 1.10% | 0.96% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.81% |
| Return on assets | 1.47% (stronger) | 1.21% |
| Loans ÷ deposits | 81.8% (stronger) | 84.5% |
| Uninsured deposits | 16.0% | 13.0% (stronger) |
| Offices | 7 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.4% |
Centra Credit Union has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Napoleon State Bank leads on 3 and Centra Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.