Side-by-side · Q2 2026 data
Citizens Bank and Trust Company vs Kraftsman Federal Credit Union
Metric by metric
| Measure | Citizens Bank and Trust Company | Kraftsman Federal Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 65 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 0 |
| Earnings | 100 (stronger) | 52 |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 100th | 30th |
| Total assets | $577.6M | $4.8M |
| Deposits / shares | $485.5M | $3.4M |
| Capital ratio | 15.39% | 29.17% (stronger) |
| Problem loans | 0.23% (stronger) | 4.57% |
| Net charge-offs | -0.00% | -0.70% (stronger) |
| Return on assets | 2.11% (stronger) | 0.81% |
| Loans ÷ deposits | 58.7% | 34.0% (stronger) |
| Uninsured deposits | 21.9% | 1.2% (stronger) |
| Offices | 12 | 1 |
| 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 65). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company leads on 3 and Kraftsman Federal Credit Union on 4. 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.