Side-by-side · Q2 2026 data
Citizens Bank and Trust Company vs Call Federal Credit Union
Metric by metric
| Measure | Citizens Bank and Trust Company | Call Federal Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 92 (stronger) | 80 |
| Earnings | 100 (stronger) | 31 |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 100th | 41st |
| Total assets | $577.6M | $557.1M |
| Deposits / shares | $485.5M | $497.7M |
| Capital ratio | 15.39% (stronger) | 10.47% |
| Problem loans | 0.23% (stronger) | 0.60% |
| Net charge-offs | -0.00% (stronger) | 0.12% |
| Return on assets | 2.11% (stronger) | 0.28% |
| Loans ÷ deposits | 58.7% | 54.6% (stronger) |
| Uninsured deposits | 21.9% | 8.6% (stronger) |
| Offices | 12 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | 22.6% |
Citizens Bank and Trust Company has the higher TellerScore (97 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company leads on 5 and Call Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.