Side-by-side · Q2 2026 data
Bank of Texas vs Citizens Federal Credit Union
Metric by metric
| Measure | Bank of Texas | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 90 (stronger) |
| Capital cushion | 80 | 96 (stronger) |
| Loan quality | 84 | 96 (stronger) |
| Earnings | 86 | 87 (stronger) |
| Funding & liquidity | 25 | 66 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 61st | 95th |
| Total assets | $543.6M | $201.9M |
| Deposits / shares | $451.2M | $173.8M |
| Capital ratio | 13.01% | 14.60% (stronger) |
| Problem loans | 0.48% | 0.13% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.39% |
| Return on assets | 1.65% | 1.68% (stronger) |
| Loans ÷ deposits | 85.4% | 77.2% (stronger) |
| Uninsured deposits | 70.3% | 30.3% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank of Texas leads on 1 and Citizens Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.