Side-by-side · Q2 2026 data
Citizens Bank and Trust Company of Ardmore vs Communication Federal Credit Union
Credit union
Communication Federal Credit Union
Oklahoma City, Oklahoma · $1 billion – $10 billion
Metric by metric
| Measure | Citizens Bank and Trust Company of Ardmore | Communication Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 56 | 68 (stronger) |
| Loan quality | 100 (stronger) | 59 |
| Earnings | 83 (stronger) | 61 |
| Funding & liquidity | 67 | 82 (stronger) |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 72nd | 50th |
| Total assets | $318.8M | $2.4B |
| Deposits / shares | $268.9M | $2.1B |
| Capital ratio | 10.60% | 11.83% (stronger) |
| Problem loans | 0.00% (stronger) | 1.24% |
| Net charge-offs | 0.00% (stronger) | 1.57% |
| Return on assets | 1.59% (stronger) | 1.03% |
| Loans ÷ deposits | 78.1% | 77.5% (stronger) |
| Uninsured deposits | 28.4% | 15.6% (stronger) |
| Offices | 4 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.9% |
Citizens Bank and Trust Company of Ardmore has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company of Ardmore leads on 4 and Communication Federal Credit Union on 3. 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.