Side-by-side · Q2 2026 data
Citibank, National Association vs State Employees' Credit Union
Metric by metric
| Measure | Citibank, National Association | State Employees' Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 50 |
| Capital cushion | 29 | 51 (stronger) |
| Loan quality | 78 (stronger) | 21 |
| Earnings | 62 (stronger) | 49 |
| Funding & liquidity | 64 | 88 (stronger) |
| Problem-loan coverage | 95 (stronger) | 69 |
| Peer percentile | 37th | 6th |
| Total assets | $2.0T | $60.0B |
| Deposits / shares | $1.5T | $53.5B |
| Capital ratio | 7.87% | 10.12% (stronger) |
| Problem loans | 0.66% (stronger) | 2.38% |
| Net charge-offs | 1.06% | 0.66% (stronger) |
| Return on assets | 1.06% (stronger) | 0.72% |
| Loans ÷ deposits | 47.8% (stronger) | 72.3% |
| Uninsured deposits | 47.8% | 8.6% (stronger) |
| Offices | 947 | 280 |
| CFPB complaints (3 yrs) | 55,168 | — |
| Complaints per $1B deposits | 35.6 | — |
| Mortgage denial rate (HMDA) | 24.0% | — |
Citibank, National Association has the higher TellerScore (60 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Citibank, National Association leads on 4 and State Employees' Credit Union on 3. 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.