Side-by-side · Q2 2026 data
Citizens 1st Bank vs Mopac Employees Federal Credit Union
Credit union
Mopac Employees Federal Credit Union
Palestine, Texas · Under $100 million in assets
Metric by metric
| Measure | Citizens 1st Bank | Mopac Employees Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 82 | 89 (stronger) |
| Earnings | 89 (stronger) | 29 |
| Funding & liquidity | 34 | 64 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 84th | 23rd |
| Total assets | $811.0M | $22.4M |
| Deposits / shares | $615.5M | $19.9M |
| Capital ratio | 20.52% (stronger) | 9.66% |
| Problem loans | 0.53% | 0.34% (stronger) |
| Net charge-offs | 0.26% (stronger) | 0.31% |
| Return on assets | 1.71% (stronger) | 0.23% |
| Loans ÷ deposits | 77.8% (stronger) | 96.1% |
| 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 61). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 5 and Mopac Employees Federal Credit Union on 2. 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.