Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Zellco Federal Credit Union
Credit union
Zellco Federal Credit Union
Bogalusa, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank & Trust Company | Zellco Federal Credit Union |
|---|---|---|
| TellerScore | 41 | 89 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 0 | 76 (stronger) |
| Earnings | 45 | 100 (stronger) |
| Funding & liquidity | 84 (stronger) | 69 |
| Problem-loan coverage | 15 | 97 (stronger) |
| Peer percentile | 3rd | 87th |
| Total assets | $183.7M | $94.5M |
| Deposits / shares | $162.2M | $64.9M |
| Capital ratio | 11.14% | 31.85% (stronger) |
| Problem loans | 7.15% | 0.73% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.21% |
| Return on assets | 0.63% | 2.15% (stronger) |
| Loans ÷ deposits | 70.3% (stronger) | 91.4% |
| Uninsured deposits | 20.1% | 3.7% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Zellco Federal Credit Union has the higher TellerScore (89 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 2 and Zellco Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.