Side-by-side · Q2 2026 data
Citizens and Farmers Bank vs Cedar Point Federal Credit Union
Credit union
Cedar Point Federal Credit Union
Lexington Park, Maryland · $100 million – $1 billion
Metric by metric
| Measure | Citizens and Farmers Bank | Cedar Point Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 69 |
| Capital cushion | 62 (stronger) | 43 |
| Loan quality | 97 (stronger) | 85 |
| Earnings | 71 (stronger) | 53 |
| Funding & liquidity | 54 | 96 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 77th | 48th |
| Total assets | $2.8B | $905.8M |
| Deposits / shares | $2.4B | $819.3M |
| Capital ratio | 11.20% (stronger) | 9.26% |
| Problem loans | 0.09% (stronger) | 0.45% |
| Net charge-offs | 0.57% | 0.23% (stronger) |
| Return on assets | 1.27% (stronger) | 0.82% |
| Loans ÷ deposits | 89.0% | 64.1% (stronger) |
| Uninsured deposits | 30.5% | 6.3% (stronger) |
| Offices | 32 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | 7.2% |
Citizens and Farmers Bank has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens and Farmers Bank leads on 4 and Cedar Point Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.