Side-by-side · Q2 2026 data
Avana Bank vs Citizens Federal Credit Union
Metric by metric
| Measure | Avana Bank | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 90 (stronger) |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 3 | 87 (stronger) |
| Funding & liquidity | 89 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 63rd | 95th |
| Total assets | $39.6M | $201.9M |
| Deposits / shares | $30.6M | $173.8M |
| Capital ratio | 17.52% (stronger) | 14.60% |
| Problem loans | 0.00% (stronger) | 0.13% |
| Net charge-offs | 0.00% (stronger) | 0.39% |
| Return on assets | -0.42% | 1.68% (stronger) |
| Loans ÷ deposits | 46.3% (stronger) | 77.2% |
| Uninsured deposits | 25.4% (stronger) | 30.3% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Avana Bank leads on 5 and Citizens Federal Credit Union on 2. 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.