Side-by-side · Q2 2026 data
Bank of Franklin vs Citizens Choice Federal Credit Union
Credit union
Citizens Choice Federal Credit Union
Natchez, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Bank of Franklin | Citizens Choice Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 25 |
| Capital cushion | 49 (stronger) | 0 |
| Loan quality | 91 (stronger) | 0 |
| Earnings | 59 (stronger) | 0 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 43rd | 1st |
| Total assets | $302.3M | $679K |
| Deposits / shares | $267.8M | $676K |
| Capital ratio | 9.88% (stronger) | -0.68% |
| Problem loans | 0.27% (stronger) | 5.66% |
| Net charge-offs | 0.23% (stronger) | 5.59% |
| Return on assets | 0.96% (stronger) | -9.66% |
| Loans ÷ deposits | 77.6% | 49.0% (stronger) |
| Uninsured deposits | 20.9% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Franklin has the higher TellerScore (70 vs 25). On the 7 directional measures above (where higher or lower is clearly better), Bank of Franklin leads on 5 and Citizens Choice 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.