Side-by-side · Q2 2026 data
Citizens 1st Bank vs Keystone Credit Union
Metric by metric
| Measure | Citizens 1st Bank | Keystone Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 82 (stronger) | 77 |
| Earnings | 89 (stronger) | 55 |
| Funding & liquidity | 34 | 65 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 84th | 65th |
| Total assets | $811.0M | $40.2M |
| Deposits / shares | $615.5M | $29.1M |
| Capital ratio | 20.52% | 27.38% (stronger) |
| Problem loans | 0.53% (stronger) | 0.68% |
| Net charge-offs | 0.26% | 0.03% (stronger) |
| Return on assets | 1.71% (stronger) | 0.87% |
| Loans ÷ deposits | 77.8% (stronger) | 95.3% |
| Uninsured deposits | 58.3% | 5.1% (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 80). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 4 and Keystone 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.