Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Baton Rouge City Parish Emp Federal Credit Union
Credit union
Baton Rouge City Parish Emp Federal Credit Union
Baton Rouge, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank & Trust Company | Baton Rouge City Parish Emp Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 96 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 73 | 89 (stronger) |
| Earnings | 64 | 93 (stronger) |
| Funding & liquidity | 46 | 100 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 37th | 97th |
| Total assets | $480.8M | $58.2M |
| Deposits / shares | $405.4M | $45.2M |
| Capital ratio | 11.93% | 21.98% (stronger) |
| Problem loans | 0.82% | 0.33% (stronger) |
| Net charge-offs | 0.09% | 0.09% (stronger) |
| Return on assets | 1.09% | 1.83% (stronger) |
| Loans ÷ deposits | 88.7% | 43.1% (stronger) |
| Uninsured deposits | 37.8% | 0.8% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | — |
Baton Rouge City Parish Emp Federal Credit Union has the higher TellerScore (96 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 0 and Baton Rouge City Parish Emp Federal Credit Union on 7. 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.