Side-by-side · Q2 2026 data
Citizens Bank & Trust Company of Vivian, Louisiana vs Wesla 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 | Wesla Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 81 (stronger) |
| Capital cushion | 53 | 99 (stronger) |
| Loan quality | 71 (stronger) | 66 |
| Earnings | 41 | 50 (stronger) |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 26th | 68th |
| Total assets | $159.6M | $93.0M |
| Deposits / shares | $146.7M | $79.4M |
| Capital ratio | 10.31% | 14.93% (stronger) |
| Problem loans | 0.87% (stronger) | 1.02% |
| Net charge-offs | 0.01% (stronger) | 0.31% |
| Return on assets | 0.52% | 0.74% (stronger) |
| Loans ÷ deposits | 46.8% | 44.9% (stronger) |
| Uninsured deposits | 25.3% | 3.1% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.3% | — |
Wesla 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 Wesla Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.