Side-by-side · Q2 2026 data
Citibank, National Association vs Navy Federal Credit Union
Metric by metric
| Measure | Citibank, National Association | Navy Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 66 (stronger) |
| Capital cushion | 29 | 67 (stronger) |
| Loan quality | 78 (stronger) | 47 |
| Earnings | 62 | 75 (stronger) |
| Funding & liquidity | 64 | 76 (stronger) |
| Problem-loan coverage | 95 (stronger) | 80 |
| Peer percentile | 37th | 60th |
| Total assets | $2.0T | $204.4B |
| Deposits / shares | $1.5T | $173.4B |
| Capital ratio | 7.87% | 11.65% (stronger) |
| Problem loans | 0.66% (stronger) | 1.58% |
| Net charge-offs | 1.06% (stronger) | 2.35% |
| Return on assets | 1.06% | 1.38% (stronger) |
| Loans ÷ deposits | 47.8% (stronger) | 84.4% |
| Uninsured deposits | 47.8% | 9.7% (stronger) |
| Offices | 947 | 134 |
| CFPB complaints (3 yrs) | 55,308 | 34,444 |
| Complaints per $1B deposits | 35.7 (stronger) | 198.7 |
| Mortgage denial rate (HMDA) | 24.0% | 32.9% |
Navy Federal Credit Union has the higher TellerScore (66 vs 60). On the 8 directional measures above (where higher or lower is clearly better), Citibank, National Association leads on 4 and Navy Federal Credit Union on 4. 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.