Side-by-side · Q2 2026 data
Citizens Bank and Trust Company vs Homebase Federal Credit Union
Metric by metric
| Measure | Citizens Bank and Trust Company | Homebase Federal Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 92 (stronger) | 68 |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 100th | 57th |
| Total assets | $577.6M | $297.8M |
| Deposits / shares | $485.5M | $268.0M |
| Capital ratio | 15.39% (stronger) | 10.87% |
| Problem loans | 0.23% (stronger) | 0.96% |
| Net charge-offs | -0.00% (stronger) | 0.55% |
| Return on assets | 2.11% (stronger) | 1.14% |
| Loans ÷ deposits | 58.7% | 55.4% (stronger) |
| Uninsured deposits | 21.9% | 6.0% (stronger) |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | — |
Citizens Bank and Trust Company has the higher TellerScore (97 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company leads on 5 and Homebase Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.