Side-by-side · Q2 2026 data
Western National Bank vs Centricity Credit Union
Metric by metric
| Measure | Western National Bank | Centricity Credit Union |
|---|---|---|
| TellerScore | 55 | 85 (stronger) |
| Capital cushion | 35 | 90 (stronger) |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 25 | 100 (stronger) |
| Funding & liquidity | 60 | 70 (stronger) |
| Problem-loan coverage | 52 | 91 (stronger) |
| Peer percentile | 11th | 87th |
| Total assets | $135.8M | $340.5M |
| Deposits / shares | $108.8M | $277.4M |
| Capital ratio | 8.52% | 13.97% (stronger) |
| Problem loans | 0.00% (stronger) | 0.79% |
| Net charge-offs | 0.04% (stronger) | 0.46% |
| Return on assets | 0.14% | 2.13% (stronger) |
| Loans ÷ deposits | 85.4% (stronger) | 90.6% |
| Uninsured deposits | 28.5% | 4.6% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.0% |
Centricity Credit Union has the higher TellerScore (85 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Western National Bank leads on 3 and Centricity Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Duluth, MN
- Hermantown, MN