Side-by-side · Q2 2026 data
Central Bank vs Citizens Community Credit Union
Metric by metric
| Measure | Central Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 65 | 88 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 89 (stronger) | 76 |
| Earnings | 58 | 87 (stronger) |
| Funding & liquidity | 43 | 79 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 36th | 92nd |
| Total assets | $2.3B | $253.6M |
| Deposits / shares | $1.9B | $201.9M |
| Capital ratio | 10.09% | 19.14% (stronger) |
| Problem loans | 0.32% (stronger) | 0.73% |
| Net charge-offs | 0.00% (stronger) | 0.76% |
| Return on assets | 0.96% | 1.69% (stronger) |
| Loans ÷ deposits | 105.6% | 81.1% (stronger) |
| Uninsured deposits | 25.5% | 5.0% (stronger) |
| Offices | 18 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Central Bank leads on 2 and Citizens Community Credit Union on 5. 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.
Where both have branches
- Storm Lake, IA
- Spirit Lake, IA