Side-by-side · Q2 2026 data
Citizens Bank vs Kbr Heritage Federal Credit Union
Credit union
Kbr Heritage Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank | Kbr Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 90 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 90 (stronger) | 87 |
| Earnings | 76 | 77 (stronger) |
| Funding & liquidity | 63 | 87 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 94th | 89th |
| Total assets | $1.2B | $76.4M |
| Deposits / shares | $996.0M | $58.8M |
| Capital ratio | 13.64% | 22.63% (stronger) |
| Problem loans | 0.30% (stronger) | 0.39% |
| Net charge-offs | 0.13% (stronger) | 0.17% |
| Return on assets | 1.39% | 1.42% (stronger) |
| Loans ÷ deposits | 75.3% | 73.6% (stronger) |
| Uninsured deposits | 34.2% | 4.6% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.9% | 28.6% |
Kbr Heritage Federal Credit Union has the higher TellerScore (90 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 2 and Kbr Heritage Federal Credit Union on 5. 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.