Side-by-side · Q2 2026 data
The Peoples State Bank vs Centra Credit Union
Metric by metric
| Measure | The Peoples State Bank | Centra Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 73 |
| Capital cushion | 55 | 73 (stronger) |
| Loan quality | 94 (stronger) | 68 |
| Earnings | 79 (stronger) | 68 |
| Funding & liquidity | 82 (stronger) | 76 |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 72nd | 70th |
| Total assets | $506.6M | $2.4B |
| Deposits / shares | $444.3M | $2.1B |
| Capital ratio | 10.47% | 12.34% (stronger) |
| Problem loans | 0.19% (stronger) | 0.96% |
| Net charge-offs | -0.00% (stronger) | 0.81% |
| Return on assets | 1.48% (stronger) | 1.21% |
| Loans ÷ deposits | 61.8% (stronger) | 84.5% |
| Uninsured deposits | 29.5% | 13.0% (stronger) |
| Offices | 10 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | 9.4% |
The Peoples State Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Peoples State Bank leads on 5 and Centra Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Nashville, IN