Side-by-side · Q2 2026 data
Cherokee State Bank vs Citizens Community Credit Union
Metric by metric
| Measure | Cherokee State Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 83 | 88 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 100 (stronger) | 76 |
| Earnings | 61 | 87 (stronger) |
| Funding & liquidity | 78 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 84th | 92nd |
| Total assets | $271.1M | $253.6M |
| Deposits / shares | $218.9M | $201.9M |
| Capital ratio | 13.03% | 19.14% (stronger) |
| Problem loans | 0.00% (stronger) | 0.73% |
| Net charge-offs | -0.11% (stronger) | 0.76% |
| Return on assets | 1.03% | 1.69% (stronger) |
| Loans ÷ deposits | 82.5% | 81.1% (stronger) |
| Uninsured deposits | 15.1% | 5.0% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Cherokee State Bank leads on 2 and Citizens Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.