Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Tricounty Federal Credit Union
Metric by metric
| Measure | Citizens Bank & Trust Company | Tricounty Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 66 (stronger) |
| Capital cushion | 49 | 52 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 77 (stronger) | 0 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 67 | 100 (stronger) |
| Peer percentile | 6th | 32nd |
| Total assets | $155.4M | $1.7M |
| Deposits / shares | $127.2M | $1.6M |
| Capital ratio | 9.92% | 10.17% (stronger) |
| Problem loans | 3.15% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.52% |
| Return on assets | 1.43% (stronger) | -0.91% |
| Loans ÷ deposits | 74.2% | 54.4% (stronger) |
| Uninsured deposits | 18.3% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tricounty Federal Credit Union has the higher TellerScore (66 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 2 and Tricounty Federal Credit Union on 5. 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.
Where both have branches
- Harlowton, MT