Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Sky Federal Credit Union
Metric by metric
| Measure | Citizens Bank & Trust Company | Sky Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 53 (stronger) |
| Capital cushion | 49 (stronger) | 27 |
| Loan quality | 0 | 66 (stronger) |
| Earnings | 77 (stronger) | 32 |
| Funding & liquidity | 83 | 89 (stronger) |
| Problem-loan coverage | 67 | 83 (stronger) |
| Peer percentile | 6th | 9th |
| Total assets | $155.4M | $197.3M |
| Deposits / shares | $127.2M | $177.1M |
| Capital ratio | 9.92% (stronger) | 7.72% |
| Problem loans | 3.15% | 1.02% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.34% |
| Return on assets | 1.43% (stronger) | 0.30% |
| Loans ÷ deposits | 74.2% | 71.2% (stronger) |
| Uninsured deposits | 18.3% | 3.6% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sky Federal Credit Union has the higher TellerScore (53 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 3 and Sky Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Big Timber, MT