Side-by-side · Q2 2026 data
Citizens 1st Bank vs East Texas Professional Credit Union
Credit union
East Texas Professional Credit Union
Longview, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Citizens 1st Bank | East Texas Professional Credit Union |
|---|---|---|
| TellerScore | 83 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 82 | 86 (stronger) |
| Earnings | 89 | 91 (stronger) |
| Funding & liquidity | 34 | 75 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 84th | 98th |
| Total assets | $811.0M | $1.4B |
| Deposits / shares | $615.5M | $1.2B |
| Capital ratio | 20.52% (stronger) | 19.38% |
| Problem loans | 0.53% | 0.41% (stronger) |
| Net charge-offs | 0.26% (stronger) | 0.38% |
| Return on assets | 1.71% | 1.78% (stronger) |
| Loans ÷ deposits | 77.8% (stronger) | 84.9% |
| Uninsured deposits | 58.3% | 2.1% (stronger) |
| Offices | 4 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 23.5% |
East Texas Professional Credit Union has the higher TellerScore (90 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 3 and East Texas Professional Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.