Side-by-side · Q2 2026 data
United Bank and Trust Company vs Cent Credit Union
Metric by metric
| Measure | United Bank and Trust Company | Cent Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 77 |
| Capital cushion | 98 (stronger) | 77 |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 94 (stronger) | 56 |
| Funding & liquidity | 93 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 100th | 71st |
| Total assets | $228.4M | $166.0M |
| Deposits / shares | $199.7M | $144.6M |
| Capital ratio | 14.83% (stronger) | 12.73% |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 1.84% (stronger) | 0.89% |
| Loans ÷ deposits | 60.9% (stronger) | 92.1% |
| Uninsured deposits | 20.6% | 3.1% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Bank and Trust Company has the higher TellerScore (97 vs 77). On the 7 directional measures above (where higher or lower is clearly better), United Bank and Trust Company leads on 6 and Cent Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.