Side-by-side · Q2 2026 data
Citizens Bank & Trust vs Northwest Missouri Regional Credit Union
Credit union
Northwest Missouri Regional Credit Union
Maryville, Missouri · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank & Trust | Northwest Missouri Regional Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 74 |
| Capital cushion | 75 (stronger) | 67 |
| Loan quality | 97 (stronger) | 94 |
| Earnings | 74 (stronger) | 39 |
| Funding & liquidity | 87 (stronger) | 84 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 88th | 49th |
| Total assets | $107.3M | $11.2M |
| Deposits / shares | $93.7M | $9.8M |
| Capital ratio | 12.50% (stronger) | 11.68% |
| Problem loans | 0.08% (stronger) | 0.18% |
| Net charge-offs | 0.05% (stronger) | 0.32% |
| Return on assets | 1.36% (stronger) | 0.48% |
| Loans ÷ deposits | 55.9% (stronger) | 75.8% |
| Uninsured deposits | 27.3% | 0.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank & Trust has the higher TellerScore (85 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust leads on 6 and Northwest Missouri Regional Credit Union on 1. 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.