Side-by-side · Q2 2026 data
Citizens Bank & Trust Company of Vivian, Louisiana vs Texar Federal Credit Union
Bank
Citizens Bank & Trust Company of Vivian, Louisiana
Vivian, Louisiana · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank & Trust Company of Vivian, Louisiana | Texar Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 81 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 71 | 76 (stronger) |
| Earnings | 41 | 52 (stronger) |
| Funding & liquidity | 89 (stronger) | 84 |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 26th | 80th |
| Total assets | $159.6M | $440.5M |
| Deposits / shares | $146.7M | $335.3M |
| Capital ratio | 10.31% | 16.42% (stronger) |
| Problem loans | 0.87% | 0.72% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.34% |
| Return on assets | 0.52% | 0.79% (stronger) |
| Loans ÷ deposits | 46.8% (stronger) | 76.5% |
| Uninsured deposits | 25.3% | 9.9% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.3% | 7.0% |
Texar Federal Credit Union has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company of Vivian, Louisiana leads on 2 and Texar Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.