Side-by-side · Q2 2026 data
Tri-County Bank & Trust Company vs Centra Credit Union
Metric by metric
| Measure | Tri-County Bank & Trust Company | Centra Credit Union |
|---|---|---|
| TellerScore | 33 | 73 (stronger) |
| Capital cushion | 41 | 73 (stronger) |
| Loan quality | 0 | 68 (stronger) |
| Earnings | 35 | 68 (stronger) |
| Funding & liquidity | 58 | 76 (stronger) |
| Problem-loan coverage | 46 | 88 (stronger) |
| Peer percentile | 1st | 70th |
| Total assets | $313.9M | $2.4B |
| Deposits / shares | $259.4M | $2.1B |
| Capital ratio | 9.09% | 12.34% (stronger) |
| Problem loans | 3.45% | 0.96% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.81% |
| Return on assets | 0.36% | 1.21% (stronger) |
| Loans ÷ deposits | 78.5% (stronger) | 84.5% |
| Uninsured deposits | 36.7% | 13.0% (stronger) |
| Offices | 5 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.4% |
Centra Credit Union has the higher TellerScore (73 vs 33). On the 7 directional measures above (where higher or lower is clearly better), Tri-County Bank & Trust Company leads on 2 and Centra Credit Union on 5. 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.