Side-by-side · Q2 2026 data
Citizens Bank vs Raleigh Co. Educators Federal Credit Union
Credit union
Raleigh Co. Educators Federal Credit Union
Beckley, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank | Raleigh Co. Educators Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 97 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 90 | 99 (stronger) |
| Earnings | 76 | 86 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 94th | 98th |
| Total assets | $1.2B | $21.3M |
| Deposits / shares | $996.0M | $15.5M |
| Capital ratio | 13.64% | 26.34% (stronger) |
| Problem loans | 0.30% | 0.04% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.39% | 1.64% (stronger) |
| Loans ÷ deposits | 75.3% | 60.4% (stronger) |
| Uninsured deposits | 34.2% | 2.5% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.9% | — |
Raleigh Co. Educators Federal Credit Union has the higher TellerScore (97 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 0 and Raleigh Co. Educators Federal Credit Union on 7. 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.