Side-by-side · Q2 2026 data
Three Rivers Federal Credit Union vs Centra Credit Union
Metric by metric
| Measure | Three Rivers Federal Credit Union | Centra Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 73 |
| Capital cushion | 89 (stronger) | 73 |
| Loan quality | 51 | 68 (stronger) |
| Earnings | 97 (stronger) | 68 |
| Funding & liquidity | 72 | 76 (stronger) |
| Problem-loan coverage | 86 | 88 (stronger) |
| Peer percentile | 84th | 70th |
| Total assets | $2.9B | $2.4B |
| Deposits / shares | $2.1B | $2.1B |
| Capital ratio | 13.88% (stronger) | 12.34% |
| Problem loans | 1.47% | 0.96% (stronger) |
| Net charge-offs | 0.43% (stronger) | 0.81% |
| Return on assets | 1.92% (stronger) | 1.21% |
| Loans ÷ deposits | 86.4% | 84.5% (stronger) |
| Uninsured deposits | 16.3% | 13.0% (stronger) |
| Offices | 11 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | 9.4% |
Three Rivers Federal Credit Union has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Three Rivers Federal Credit Union leads on 4 and Centra Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.