Side-by-side · Q2 2026 data
Citizens 1st Bank vs Highway Employees Credit Union
Metric by metric
| Measure | Citizens 1st Bank | Highway Employees Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 81 |
| Capital cushion | 100 | 100 |
| Loan quality | 82 | 99 (stronger) |
| Earnings | 89 (stronger) | 11 |
| Funding & liquidity | 34 | 95 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 84th | 68th |
| Total assets | $811.0M | $1.8M |
| Deposits / shares | $615.5M | $1.2M |
| Capital ratio | 20.52% | 29.19% (stronger) |
| Problem loans | 0.53% | 0.04% (stronger) |
| Net charge-offs | 0.26% | 0.00% (stronger) |
| Return on assets | 1.71% (stronger) | -0.22% |
| Loans ÷ deposits | 77.8% | 65.1% (stronger) |
| Uninsured deposits | 58.3% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Citizens 1st Bank has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 2 and Highway Employees 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.